Stop Collection Agency Harassment

Some collection firms go too far with exactly what I call "renegade collectors" they will repeatedly call you at your home and/or organisation, threaten to send out a marshall over to serve you with suit papers or send frightening letters, appearing to come from a lawyer or law firm, stating that you will lose your cars and truck, incomes and other residential or commercial property if you do not pay your debt! Unsuitable collection procedures can frighten you into paying for expenses that may 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 Guideline 10 and New York State Statute, General Business Law, Article 29-H, (the "State Statute") all prohibit threatening, daunting and harassing collection procedures. For instance, the State Statute forbids a collector from (a) threatening to interact with your employer prior to that representative acquiring a judgement against you, (b) interacting with your household or household at such frequency or at such uncommon hours as can fairly be expected to be violent or harassing, or (c) replicating any legal or judicial process or seeming authorized, issued or authorized by a lawyer or the government to gather a debt.

Also, if the collector sends you a letter demanding you pay without the reuired notification under the federal law regarding your privacy, your rights to dispute the debt an dgiving you the proper Thirty Days to react, then the debt collector is immediately liable to you for any damages plus 3 times the quantity of your damages. Each infraction of the State Statute is a separate 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.

Call that agency and get the name and address of the owner/president if you feel abused or pestered by a collection agency. Send your written grievance, by licensed mail, return receipt, to the owner/president and consist of in 702-780-0429 your letter that you "believe that agency is violating the Federal Fair Debt Collection Practices Act and other state and regional laws and that you will (a) file grievances with the Attorney General or the District Attorney's workplace (subjecting the collection business to misdemeanor charges) and (b) request a limiting action against the debt collector." Go ahead and file your charges and grievances if the collection company continues to abuse and harrass you.

This short article is definitely not all inclusive and is intended just as a quick explanation of the legal concern presented. If you have any concerns with respect to any legal matters, not all cases are alike and it is highly recommended that you seek advice from a lawyer.

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