Stop Debt Collection Agency Harassment

Owing a debt does not instantly subject you to pestering, threatening and other unsuitable debt collection agency habits. Some debt collection agency go too far with what I call "renegade collectors" they will repeatedly call you at your home and/or business, threaten to send out a marshall over to serve you with claim documents or send out daunting letters, appearing to come from an attorney or law practice, mentioning that you will lose your cars and truck, incomes 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 should intimidate, threaten or harrass you or persuade you to provide individual or financial details. Unsuitable collection procedures can intimidate you into spending for expenses that may not even be your responsibility.You are protected by the law from innapropriate collection procedures.

The Federal Fair Debt Collection Practices Act, the New York City Customer Security Law Regulation 10 and New York City State Statute, General Service Law, Short Article 29-H, (the "State Statute") all prohibit threatening, bugging and frightening collection procedures. The State Statute forbids a collection representative from (a) threatening to communicate with your company 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 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.

Call that agency and get the name and address of the owner/president if you feel mistreated or bugged by a collection agency. 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 collection company to misdemeanor charges) and (b) demand a restraining action versus the collection agency." If the collection company continues to abuse and harrass you, then ZFN ASSOCIATES 702-780-0429 proceed and file your charges and problems.

This short article is definitely not all inclusive and is meant just as a brief explanation of the legal concern provided. If you have any questions with respect to any legal matters, not all cases are alike and it is highly recommended that you speak with a lawyer.

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