Stop Debt Collection Agency Harassment

Some collection agencies go too far with exactly what I call "renegade collectors" they will consistently call you at your home and/or company, threaten to send a marshall over to serve you with claim documents or send intimidating letters, appearing to come from a lawyer or law company, specifying that you will lose your car, wages and other home if you do not pay your debt! Unsuitable collection procedures can intimidate you into paying for expenses that may not even be your responsibility.You are protected by the law from innapropriate collection treatments.

The Federal Fair Debt Collection Practices Act, the New York City City Consumer Protection Law Guideline 10 and New York State Statute, General Business Law, Post 29-H, (the "State Statute") all forbid threatening, daunting and bothering collection procedures. The State Statute prohibits a collection representative from (a) threatening to communicate with your employer prior to that representative obtaining a judgement versus you, (b) communicating with your family or home at such frequency or at such unusual hours as can fairly be expected to be violent or harassing, or (c) replicating any legal or judicial procedure or appearing to be authorized, released or authorized by the government or a lawyer to collect a debt.

Likewise, if the collection agent sends you a letter demanding you pay without the reuired notification under the federal law regarding your privacy, your rights to challenge the debt an dgiving you the suitable 1 Month to respond, then the debt collector is instantly liable to you for any damages plus three times the quantity of your damages. Each violation of the State Statute is a different misdemeanor offense. You can file accused of the State Attorney General or your County District Attorney as well as request a limiting action against the collection company to stop it from continuing abuse and harassment.

Call that agency and get the name and address of the owner/president if you feel mistreated or harassed by a collection agency. Send your written problem, by licensed mail, return invoice, to the owner/president and include in your letter that you "think that agency is violating the Federal Fair Debt Collection Practices Act and other state and regional laws which you will (a) file grievances with the Chief law officer or the District Attorney's office (subjecting the collection business to misdemeanor charges) zfn and associates reviews and (b) request a limiting action versus the debt collection agency." If the collection business continues to abuse and harrass you, then go ahead and submit your charges and complaints.

This post is certainly not all inclusive and is planned only as a short description of the legal concern provided. If you have any concerns with regard to any legal matters, not all cases are alike and it is strongly suggested that you consult an attorney.

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