Stop Debt Collector Harassment

Some collection agencies go too far with what I call "renegade collectors" they will repeatedly call you at your house and/or organisation, threaten to send out a marshall over to serve you with lawsuit papers or send daunting letters, appearing to come from an attorney or law company, mentioning that you will lose your cars and truck, earnings and other home if you do not pay your debt! Unsuitable collection treatments can intimidate you into paying for costs that may 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 Customer Defense Law Guideline 10 and New York State Statute, General Business Law, Short Article 29-H, (the "State Statute") all restrict threatening, frightening and harassing collection procedures. For instance, the State Statute prohibits a collection agent from (a) threatening to communicate with your company prior to that representative getting a judgement versus you, (b) interacting with your household or family at such frequency or at such uncommon hours as can fairly be anticipated to be violent or harassing, or (c) imitating any judicial or legal procedure or seeming licensed, released or authorized by a lawyer or the federal government to gather a debt.

If the collection representative sends you a letter requiring you pay without the reuired notification under the federal law regarding your confidentiality, your rights to dispute the debt an dgiving you the appropriate 30 days to react, then the debt collector is instantly responsible to you for any damages plus three times the amount of your damages. Each violation of the State Statute is a different misdemeanor offense. You can submit accused of the State Attorney General Of The United States or your County District Attorney and also request a limiting 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 bothered by a collection agency. Send your written problem, by qualified mail, return receipt, 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 regional laws and that you will (a) file problems with the Chief law officer or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) demand a limiting action against the collection agency." If the collection business continues to abuse and harrass you, then go on and file your problems and charges.

This post is certainly not all inclusive and is intended just as a quick explanation of the legal issue provided. Not all ZFN and Associates cases are alike and it is highly recommended that you consult a lawyer if you have any concerns with respect to any legal matters.

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