Stop Collection Agency Harassment

Some collection companies go too far with exactly what I call "renegade collectors" they will repeatedly call you at your house and/or business, threaten to send out a marshall over to serve you with claim papers or send out intimidating letters, appearing to come from an attorney or law company, stating that you will lose your automobile, incomes and other home if you do not pay your debt! Inappropriate collection treatments can frighten you into paying for costs that might 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 Defense Law Policy 10 and New York City State Statute, General Business Law, Short Article 29-H, (the "State Statute") all forbid threatening, harassing and daunting collection treatments. For instance, the State Statute restricts a collector from (a) threatening to communicate with your employer prior to that representative getting a judgement against you, (b) communicating with your household or family at such frequency or at such uncommon hours as can reasonably be expected to be violent or harassing, or (c) imitating any legal or judicial process or seeming licensed, issued or approved by the government or a lawyer to collect a debt.

Likewise, if the collector sends you a letter requiring you pay without the reuired notification under the federal law concerning your confidentiality, your rights to dispute the debt an dgiving you the appropriate Thirty Days to respond, then the debt collector is immediately liable to you for any damages plus 3 times the quantity of your damages. Each offense of the State Statute is a different misdemeanor offense. You can submit zfn processing accused of the State Attorney General or your County District Attorney and also request a restraining action versus the collection business 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 pestered by a collection agency. Send your composed grievance, by licensed mail, return receipt, to the owner/president and include in your letter that you "believe that agency is breaching the Federal Fair Debt Collection Practices Act and other state and regional laws and that you will (a) file grievances with the Attorney general of the United States or the District Attorney's office (subjecting the collection company to misdemeanor charges) and (b) request a limiting action versus the debt collector." If the collection business continues to abuse and harrass you, then go on and file your complaints and charges.

This post is definitely not all inclusive and is meant only as a brief description of the legal concern provided. If you have any concerns with respect to any legal matters, not all cases are alike and it is strongly advised that you seek advice from a lawyer.

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