Stop Collection Agency Harassment

Owing a debt does not instantly subject you to bothering, threatening and other improper debt collection agency habits. Some collection agencies go too far with what I call "renegade collectors" they will repeatedly call you at your house and/or service, 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, specifying that you will lose your automobile, earnings 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 nobody need to frighten, threaten or harrass you or persuade you to provide individual or financial info. Unsuitable collection treatments can frighten 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 Customer Security Law Policy 10 and New York State Statute, General Company Law, Article 29-H, (the "State Statute") all prohibit threatening, bugging and frightening collection procedures. For instance, the State Statute prohibits a collector from (a) threatening to interact with your employer prior to that agent obtaining a judgement versus you, (b) interacting with your household or family at such frequency or at such uncommon hours as can reasonably be expected to be violent or harassing, or (c) mimicing any legal or judicial process or seeming licensed, issued or approved by the federal government or a lawyer 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 contest the debt an dgiving you the appropriate 30 days to react, then the debt collector is automatically responsible to you for any damages plus three times the quantity of your damages. Each offense of the State Statute is a different 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 pestered by a collection agency, call that agency and get the name and address of the owner/president. Send your composed complaint, by licensed mail, return invoice, 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 zfn processing the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) request a limiting action against the debt collector." Go ahead and file your charges and problems if the collection company continues to abuse and harrass you.

This post is certainly not all inclusive and is meant just as a quick explanation of the legal concern presented. Not all cases are alike and it is highly recommended that you speak with a lawyer if you have any questions with respect to any legal matters.

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