Stop Collection Agency Harassment

Some collection firms go too far with exactly what I call "renegade collectors" they will consistently call you at your house and/or company, threaten to send a marshall over to serve you with lawsuit papers or send intimidating letters, appearing to come from an attorney or law company, mentioning that you will lose your cars and truck, incomes and other home if you do not pay your debt! Unsuitable collection treatments can daunt you into paying for costs that may 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 Consumer Protection Law Guideline 10 and New York City State Statute, General Service Law, Short Article 29-H, (the "State Statute") all restrict threatening, intimidating and bugging collection treatments. The State Statute restricts a collection agent from (a) threatening to interact with your company prior to that agent obtaining a judgement versus you, (b) interacting with your household or family at such frequency or at such unusual hours as can fairly be anticipated to be abusive or harassing, or (c) imitating any judicial or legal procedure or appearing to be licensed, provided or authorized by the government or an attorney to gather a debt.

Also, if the collection agent sends you a letter requiring you pay without the reuired notification under the federal law regarding your privacy, your rights to contest the debt an dgiving you the appropriate 30 days to respond, then the debt collector is instantly liable to you for any damages plus 3 times the amount zfn and associates reviews of your damages. Each offense 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 against 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 abused or bugged by a collection agency. 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 breaching the Federal Fair Debt Collection Practices Act and other state and local laws and that you will (a) file grievances with the Attorney General or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) demand a limiting action against the debt collector." Go ahead and submit your charges and grievances if the collection business continues to abuse and harrass you.

This short article is certainly not all inclusive and is meant just as a short description of the legal problem provided. Not all cases are alike and it is strongly advised that you speak with a lawyer if you have any questions with respect to any legal matters.

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