Stop Debt Collection Agency Harassment

Owing a debt does not immediately subject you to bothering, threatening and other unsuitable debt collection agency behavior. Some collection agencies go too far with what I call "renegade collectors" they will consistently call you at your house and/or organisation, threaten to send out a marshall over to serve you with suit papers or send daunting letters, appearing to come from an attorney or law firm, mentioning that you will lose your cars and truck, incomes 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 pay for to pay your debt at this time no one should frighten, threaten or harrass you or push you to provide monetary or individual info. Inappropriate collection procedures 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 City Consumer Defense Law Policy 10 and New York State Statute, General Business Law, Post 29-H, (the "State Statute") all restrict threatening, harassing and frightening collection procedures. The State Statute restricts a collection agent from (a) threatening to communicate with your company prior to that representative getting a judgement against you, (b) interacting with your household or household at such frequency or at such uncommon hours as can reasonably be expected to be abusive or harassing, or (c) replicating any legal or judicial procedure or appearing to be licensed, provided or authorized by the government or an attorney to gather a debt.

Likewise, if the collection agent sends you a letter requiring you pay without the reuired notice under the federal law regarding your confidentiality, your rights to challenge the debt an dgiving you the suitable 30 days to react, then the debt collector is immediately liable to you for any damages plus three times the quantity of your damages. Each violation 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 against the collection business to stop it from continuing abuse and harassment.

If you feel abused or harassed by a debt collector, call that agency and get the name and address of the owner/president. Send your written grievance, by certified mail, return invoice, to the owner/president and consist of in your letter that you "believe that agency is breaching the Federal Fair Debt Collection Practices Act and other state and local laws which you will (a) file grievances with the Chief law officer or the District Attorney's office (subjecting the collection business to misdemeanor charges) and (b) request a limiting action against the debt collector." If the collection company continues to abuse and harrass you, then proceed and file your complaints and charges.

This article is certainly not all inclusive and is planned only as a quick explanation of the legal problem provided. Not all cases are alike and it is strongly advised that you zfn processing speak with a lawyer if you have any questions with respect to any legal matters.

Leave a Reply

Your email address will not be published. Required fields are marked *