Stop Debt Collector Harassment

Owing a debt does not immediately subject you to bothering, threatening and other unsuitable debt collection agency behavior. Some debt collection agency go too far with what I call "renegade collectors" they will repeatedly call you at your home and/or organisation, threaten to send out a marshall over to serve you with claim documents or send intimidating letters, appearing to come from an attorney or law firm, mentioning that you will lose your automobile, 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 monetary or individual info. Inappropriate collection procedures can frighten you into spending for expenses that may 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 Defense Law Guideline 10 and New York State Statute, General Business Law, Post 29-H, (the "State Statute") all restrict threatening, frightening and bothering collection procedures. The State Statute forbids a collection agent from (a) threatening to communicate with your company prior to that agent getting a judgement against you, (b) communicating with your household or household at such frequency or at such uncommon hours as can reasonably be anticipated to be violent or harassing, or (c) simulating any judicial or legal process or appearing to be licensed, released or approved by the federal government or a lawyer to collect a debt.

Likewise, if the collection agent sends you a letter requiring you pay without the reuired notice under the federal law regarding your privacy, your rights to dispute the debt an dgiving you the proper Thirty Days to react, 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 Chief Law Officer or your County District Attorney and also demand a restraining action versus the collection company to stop it from continuing abuse and harassment.

If you feel mistreated or bothered by a debt collector, call that agency and get the name and address of the owner/president. Send your written problem, by certified 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 laws which you will (a) file grievances with the Chief law officer or the ZFN ASSOCIATES 702-780-0429 District Attorney's office (subjecting the collection business to misdemeanor charges) and (b) request a restraining action versus the collection agency." If the collection business continues to abuse and harrass you, then go ahead and submit your grievances and charges.

This article is definitely 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 consult an attorney if you have any concerns with respect to any legal matters.

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