Stop Collection Agency Harassment

Owing a debt does not automatically subject you to bugging, threatening and other improper debt collector habits. Some debt collector go too far with exactly what I call "renegade collectors" they will consistently call you at your home and/or company, threaten to send a marshall over to serve you with lawsuit documents or send out daunting letters, appearing to come from an attorney or law practice, stating that you will lose your car, wages and other home if you do not pay your debt! It does not matter that you cannot pay a debt or that you can not pay for to pay your debt at this time no one ought to intimidate, threaten or harrass you or persuade you to offer individual or financial details. Unsuitable collection procedures can intimidate you into spending for expenses that might not even be your responsibility.You are safeguarded by the law from innapropriate collection treatments.

The Federal Fair Debt Collection Practices Act, the New York City City Customer Security Law Regulation 10 and New York City State Statute, General Service Law, Article 29-H, (the "State Statute") all forbid threatening, pestering and intimidating collection treatments. The State Statute forbids a collection agent from (a) threatening to communicate 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 reasonably be expected to be violent or harassing, or (c) mimicing any judicial or legal process or appearing to be authorized, released or approved by an attorney or the federal government to collect 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 suitable 30 days to react, then the debt collector is immediately liable to you for any damages plus 3 times the amount of your damages. Each offense of the State Statute is a separate misdemeanor offense. You can submit charges with the State Chief Law Officer or your County District Attorney and also demand a restraining action versus the collection company to stop it from continuing abuse and harassment.

If you feel mistreated or bothered by a debt collection agency, call that agency and get the name and address of the owner/president. Send your composed grievance, 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 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 versus the collection agency." If the collection business continues to abuse and harrass you, then go ahead and submit your grievances and charges.

This article is definitely ZFN and Associates not all inclusive and is planned only as a quick explanation of the legal problem provided. If you have any questions with regard to any legal matters, not all cases are alike and it is strongly suggested that you seek advice from an attorney.

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