Stop Debt Collection Agency Harassment

Owing a debt does not instantly subject you to pestering, threatening and other improper debt collector habits. Some debt collection agency go too far with exactly what I call "renegade collectors" they will repeatedly call you at your home and/or company, threaten to send a marshall over to serve you with lawsuit documents or send out frightening letters, appearing to come from a lawyer 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 manage to pay your debt at this time no one ought to intimidate, threaten or harrass you or coerce you to offer financial or individual 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 City Consumer Protection Law Guideline 10 and New York City State Statute, General Service Law, Short Article 29-H, (the "State Statute") all prohibit threatening, bugging and frightening collection treatments. The State Statute restricts a collection agent from (a) threatening to interact with your employer prior to that agent acquiring a judgement against you, (b) interacting 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) imitating any judicial or legal process or appearing to be licensed, provided or approved by a lawyer or the government to gather a debt.

If the collection representative sends you a letter demanding you pay without the reuired notification under the federal law regarding your privacy, your rights to contest the debt an dgiving you the proper 30 days to respond, then the debt collector is automatically responsible to you for any damages plus three times the quantity of your damages. ZFN and Associates Robocalls 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 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 mistreated or harassed by a collection agency. Send your composed complaint, by licensed mail, return receipt, to the owner/president and include in your letter that you "think that agency is breaking the Federal Fair Debt Collection Practices Act and other state and regional laws and that you will (a) file problems with the Attorney General or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) request a limiting action against the debt collector." If the collection company continues to abuse and harrass you, then go on and submit your charges and grievances.

This article is certainly not all inclusive and is planned only as a short explanation of the legal problem provided. If you have any concerns with respect to any legal matters, not all cases are alike and it is highly recommended that you speak with a lawyer.

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15

Comments on “Stop Debt Collection Agency Harassment”

Leave a Reply