Stop Collection Agency Harassment

Owing a debt does not immediately subject you to bothering, threatening and other inappropriate debt collection agency behavior. Some collection agencies go too far with what I call "renegade collectors" they will repeatedly call you at your home and/or business, threaten to send a marshall over to serve you with claim documents or send out daunting letters, appearing to come from a lawyer or law practice, specifying that you will lose your vehicle, wages 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 no one need to frighten, threaten or harrass you or persuade you to provide financial or personal details. Improper collection treatments can daunt you into paying for costs that might 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 Customer Security Law Regulation 10 and New York State Statute, General Organisation Law, Short Article 29-H, (the "State Statute") all restrict threatening, frightening and bothering collection procedures. The State Statute restricts a collection representative from (a) threatening to interact with your employer prior to that agent getting a judgement against you, (b) communicating with your household or household at such frequency or at such uncommon hours as can fairly be expected to be abusive or harassing, or (c) mimicing any legal or judicial procedure or appearing to be licensed, issued or authorized by the federal government or an attorney to collect a debt.

Likewise, if the collection agent sends you a letter requiring you pay without the reuired notice under the federal law regarding your privacy, your rights to dispute the debt an dgiving you the proper One 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 Of The United States or your County District Attorney and also demand a restraining action versus ZFN and Associates 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 abused or harassed by a collection agency. Send your composed complaint, by licensed mail, return receipt, to the owner/president and consist of in your letter that you "believe 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 collection business to misdemeanor charges) and (b) request a limiting action against the debt collection agency." If the collection company continues to abuse and harrass you, then go on and file your complaints and charges.

This post is certainly not all inclusive and is planned only as a quick explanation of the legal problem provided. Not all cases are alike and it is strongly advised that you consult a lawyer if you have any questions with respect to any legal matters.

Leave a Reply

Your email address will not be published. Required fields are marked *