Owing a debt does not instantly subject you to pestering, threatening and other unsuitable debt collection agency 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 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 persuade you to provide personal or financial info. Unsuitable collection procedures can intimidate you into spending for expenses that may not even be your responsibility.You are protected by the law from innapropriate collection procedures.
The Federal Fair Debt Collection Practices Act, the New York City Customer Protection Law Guideline 10 and New York State Statute, General Business Law, Post 29-H, (the "State Statute") all prohibit threatening, harassing and frightening collection treatments. For example, the State Statute prohibits a collector from (a) threatening to interact with your employer prior to that representative acquiring a judgement against you, (b) communicating with your household or home at such frequency or at such unusual hours as can fairly 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 agent 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 react, then the debt collector is immediately accountable to you for any damages plus three times the quantity of your damages. Each infraction of the State Statute is a different misdemeanor offense. You can file accused of the State Attorney General Of The United States 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 pestered by a collection agency, call that agency and get the name and address of the owner/president. 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 regional laws which you will (a) file grievances with the Chief law officer or the District Attorney's office (subjecting the zfn and associates reviews collection company to misdemeanor charges) and (b) request a limiting action against the debt collector." Go ahead and file your charges and grievances if the collection business continues to abuse and harrass you.
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 suggested that you seek advice from an attorney if you have any concerns with respect to any legal matters.