Stop Debt Collector Harassment

Owing a debt does not immediately subject you to harassing, threatening and other improper 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 house and/or company, threaten to send a marshall over to serve you with claim papers or send out intimidating letters, appearing to come from a lawyer or law firm, mentioning that you will lose your car, earnings and other property if you do not pay your debt! It does not matter that you cannot pay a debt or that you can not afford to pay your debt at this time nobody should daunt, threaten or harrass you or push you to offer personal or monetary info. Improper collection procedures can intimidate you into paying for expenses that might 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 Policy 10 and New York City State Statute, General Company Law, Short Article 29-H, (the "State Statute") all forbid threatening, harassing and daunting collection procedures. The State Statute prohibits a collection agent from (a) threatening to communicate with your employer 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 expected to be abusive or harassing, or (c) mimicing any legal or judicial procedure or appearing to be licensed, released or authorized by the federal government or a lawyer to collect a debt.

If the collection representative sends you a letter requiring you pay without the reuired notification under the federal law concerning your privacy, your rights to challenge the debt an dgiving you the proper 30 days to react, then the debt collector is instantly accountable to you for any damages plus 3 times the quantity of your damages. Each offense 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 restraining action against 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 harassed by a collection agency. Send your written complaint, by certified mail, return invoice, to the owner/president and include in your letter that you "believe that agency is breaking the Federal Fair Debt Collection Practices Act and other state and local laws and that you will (a) file problems with the Chief law officer or the District Attorney's office (subjecting the collection company to misdemeanor charges) and (b) demand a limiting action versus the debt collection agency." If the collection business continues to abuse and harrass you, then go ahead and submit your problems and charges.

This post is definitely not all inclusive and is meant just as a short explanation of the legal issue ZFN ASSOCIATES 702-780-0429 provided. Not all cases are alike and it is highly suggested that you consult an attorney if you have any concerns with respect to any legal matters.