Stop 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 business, threaten to send out a marshall over to serve you with claim papers or send frightening letters, appearing to come from a lawyer or law firm, stating that you will lose your cars and truck, incomes and other residential or commercial property if you do not pay your debt! Inappropriate collection procedures can frighten you into paying for costs that may not even be your responsibility.You are secured by the law from innapropriate collection treatments.

The Federal Fair Debt Collection Practices Act, the New York City Consumer Defense Law Policy 10 and New York State Statute, General Organisation Law, Short Article 29-H, (the "State Statute") all prohibit threatening, harassing and frightening collection treatments. The State Statute forbids a collection agent from (a) threatening to interact with your company prior to that agent getting a judgement against you, (b) interacting with your family or household at such frequency or at such uncommon hours as can reasonably be anticipated to be abusive or harassing, or (c) simulating any judicial or legal process or appearing to be licensed, issued or authorized by a lawyer or the 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 contest 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 written problem, by certified mail, return invoice, to the owner/president and include in your letter that you "think that agency is breaching 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 ZFN ASSOCIATES 702-780-0429 collection company to misdemeanor charges) and (b) demand a restraining action versus the collection agency." If the collection business continues to abuse and harrass you, then proceed and file your complaints and charges.

This short article is certainly not all inclusive and is meant just as a brief explanation of the legal concern presented. Not all cases are alike and it is highly advised that you consult a lawyer if you have any concerns with respect to any legal matters.

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