Stop Debt Collection Agency Harassment

Some collection firms go too far with what I call "renegade collectors" they will consistently call you at your home and/or service, threaten to send out a marshall over to serve you with claim papers or send daunting letters, appearing to come from a lawyer or law firm, stating that you will lose your automobile, salaries and other home if you do not pay your debt! Unsuitable collection treatments can frighten you into paying for expenses that might not even be your responsibility.You are protected by the law from innapropriate collection treatments.

The Federal Fair Debt Collection Practices Act, the New York City City Consumer Protection Law Regulation 10 and New York State Statute, General Service Law, Post 29-H, (the "State Statute") all prohibit threatening, intimidating and bothering collection procedures. For instance, the State Statute restricts a collection agent from (a) threatening to communicate with your company prior to that agent obtaining a judgement against you, (b) interacting with your household or family at such frequency or at such uncommon hours as can fairly be anticipated to be abusive or harassing, or (c) imitating any judicial or legal procedure or seeming licensed, provided or authorized by a lawyer or the federal government to gather a debt.

Likewise, if the collection agent sends you a letter demanding you pay without the reuired notice under the federal law concerning your privacy, your rights to dispute the debt an dgiving you the appropriate 1 Month to react, then the debt collector is immediately liable to you for any damages plus three times the quantity of your damages. Each offense of the State Statute is a separate misdemeanor offense. You can submit accused of the State Attorney General Of The United States or your County District Attorney as well as demand a ZFN & Associates restraining action versus the collection company to stop it from continuing abuse and harassment.

If you feel abused or pestered by a debt collection agency, call that agency and get the name and address of the owner/president. Send your written problem, by licensed mail, return invoice, to the owner/president and consist of in your letter that you "believe that agency is breaking 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 collector." If the collection company continues to abuse and harrass you, then proceed and submit your charges and grievances.

This post is certainly not all inclusive and is meant just as a short description of the legal issue 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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