Stop Collection Agency Harassment

Owing a debt does not immediately subject you to pestering, threatening and other unsuitable debt collection agency 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 papers or send intimidating letters, appearing to come from a lawyer or law firm, stating that you will lose your car, wages and other residential or commercial property if you do not pay your debt! It does not matter that you cannot pay a debt or that you can not pay for to pay your debt at this time no one ought to intimidate, threaten or harrass you or coerce you to give out monetary or individual info. Unsuitable collection procedures can intimidate you into paying for expenses that might not even be your responsibility.You are secured 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 City State Statute, General Service Law, Article 29-H, (the "State Statute") all prohibit threatening, bugging and frightening collection treatments. For instance, the State Statute forbids a collector from (a) threatening to communicate with your employer prior to that representative getting a judgement against you, (b) communicating with your household or home at such frequency or at such unusual hours as can reasonably be anticipated to be abusive or harassing, or (c) simulating any judicial or legal procedure or appearing to be authorized, released or authorized by the government or a lawyer to collect a debt.

If the collection representative sends you a letter requiring you pay without the reuired notice under the federal law concerning your confidentiality, your rights to challenge the debt an dgiving you the suitable 30 days to respond, then the debt collector is immediately liable to you for any damages plus 3 times the amount of your damages. Each offense of the State Statute is a separate misdemeanor offense. You can submit charges with the State Attorney General or your County District Attorney as well as 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 composed complaint, by licensed mail, return invoice, to the owner/president and include in your letter that you "think that agency is violating the Federal Fair Debt Collection Practices Act and other state and local zfn and associates reviews laws which you will (a) file complaints with the Attorney general of the United States or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) request a limiting action versus the collection agency." Go ahead and submit your charges and problems if the collection company continues to abuse and harrass you.

This post is definitely not all inclusive and is meant just as a brief explanation of the legal problem presented. If you have any questions with respect to any legal matters, not all cases are alike and it is highly recommended that you consult an attorney.

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