Stop Debt Collection Agency Harassment

Owing a debt does not instantly subject you to bugging, threatening and other improper debt collector habits. Some debt collection agency go too far with what I call "renegade collectors" they will repeatedly call you at your home and/or business, threaten to send out a marshall over to serve you with claim documents or send daunting letters, appearing to come from an attorney or law firm, mentioning that you will lose your cars and truck, earnings and other residential or commercial property if you do not pay your debt! It does not matter that you failed to pay a debt or that you can not afford to pay your debt at this time no one need to frighten, threaten or harrass you or push you to provide personal or financial info. Inappropriate collection treatments can frighten you into spending for costs that may 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 Customer Security Law Regulation 10 and New York City State Statute, General Service Law, Article 29-H, (the "State Statute") all forbid threatening, pestering and daunting collection treatments. For instance, the State Statute forbids a collector from (a) threatening to communicate with your company prior to that representative obtaining a judgement versus 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 seeming authorized, issued or authorized by the government or a lawyer 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 dispute the debt an dgiving you the proper 30 days to respond, then the debt collector is instantly liable to you for any damages plus 3 times the amount of your damages. Each infraction of the State Statute is a separate misdemeanor offense. You can submit charges with the State Attorney General Of The United States or your County District Attorney and also demand a limiting action against the collection business to stop it from continuing abuse and harassment.

If you feel abused or bugged by a debt collection agency, call that agency and get the name and address of the owner/president. Send your composed complaint, by licensed mail, return receipt, 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 regional laws and that you will (a) file grievances with the Attorney General or the District Attorney's office (subjecting the collection business to misdemeanor charges) and (b) request a limiting action versus the debt collection agency." Go ahead and submit your charges and complaints if the collection business continues to abuse and harrass you.

This article is certainly not all inclusive and is planned only as a short description of the legal problem provided. Not all cases are zfn processing alike and it is strongly advised that you consult an attorney if you have any concerns with respect to any legal matters.