Stop Debt Collection Agency Harassment

Owing a debt does not automatically subject you to bugging, threatening and other inappropriate collection agency behavior. Some debt collector go too far with exactly 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 firm, stating that you will lose your car, 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 ought to intimidate, threaten or harrass you or coerce you to offer financial or personal information. Improper collection treatments can daunt you into spending for expenses that might 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 City Consumer Protection Law Guideline 10 and New York City State Statute, General Company Law, Article 29-H, (the "State Statute") all prohibit threatening, bugging and daunting collection treatments. The State Statute prohibits a collection agent from (a) threatening to communicate with your company prior to that agent obtaining a judgement versus you, (b) communicating with your family or family at such frequency or at such unusual hours as can reasonably be anticipated to be abusive or harassing, or (c) simulating any judicial or legal process or appearing to be authorized, released or approved by the zfn and associates reviews federal government or a lawyer to collect a debt.

Also, if the collector sends you a letter demanding you pay without the reuired notification under the federal law concerning your confidentiality, your rights to challenge the debt an dgiving you the suitable One Month to respond, then the debt collector is instantly liable to you for any damages plus three times the amount of your damages. Each violation of the State Statute is a separate misdemeanor offense. You can submit charges with the State Attorney General or your County District Attorney and also request a limiting 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 bothered by a collection agency. Send your composed complaint, by licensed 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 Attorney general of the United States or the District Attorney's workplace (subjecting the collection business to misdemeanor charges) and (b) request a limiting action versus the collection agency." If the collection business continues to abuse and harrass you, then go on and submit your charges and problems.

This short article is definitely not all inclusive and is intended only as a brief explanation of the legal problem presented. Not all cases are alike and it is strongly advised that you consult an attorney if you have any questions with respect to any legal matters.

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