Stop Collection Agency Harassment

Owing a debt does not immediately subject you to bothering, threatening and other unsuitable debt collection agency behavior. Some collection agencies go too far with what I call "renegade collectors" they will repeatedly call you at your house and/or organisation, threaten to send out a marshall over to serve you with suit papers or send intimidating letters, appearing to come from a lawyer or law office, mentioning that you will lose your automobile, earnings and other residential or commercial property if you do not pay your debt! It does not matter that you failed to pay a debt or that you can not afford to pay your debt at this time nobody need to daunt, threaten or harrass you or push you to give out personal or monetary information. Inappropriate collection treatments can frighten you into spending for expenses that might not even be your responsibility.You are safeguarded by the law from innapropriate collection procedures.

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 restrict threatening, frightening and bothering collection procedures. The State Statute restricts a collection agent from (a) threatening to interact with your employer prior to that representative acquiring 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) mimicing any judicial or legal process or appearing to be licensed, provided or approved by a lawyer or the ZFN and Associates Robocalls government to gather a debt.

If the collection agent sends you a letter requiring you pay without the reuired notice under the federal law concerning your confidentiality, your rights to challenge the debt an dgiving you the appropriate 30 days to react, then the debt collector is automatically accountable 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.

If you feel mistreated or bothered by a collection agency, call that agency and get the name and address of the owner/president. Send your composed complaint, by qualified mail, return receipt, to the owner/president and consist of in your letter that you "believe that agency is breaking the Federal Fair Debt Collection Practices Act and other state and local laws which you will (a) file complaints with the Chief law officer or the District Attorney's office (subjecting the collection business to misdemeanor charges) and (b) request a restraining action against the debt collection agency." If the collection company continues to abuse and harrass you, then go on and submit your problems and charges.

This post is certainly not all inclusive and is meant only as a short description of the legal issue provided. Not all cases are alike and it is highly suggested that you seek advice from an attorney if you have any concerns with respect to any legal matters.