Stop Collection Agency Harassment

Owing a debt does not automatically subject you to bugging, threatening and other inappropriate collection agency habits. Some debt collector go too far with exactly what I call "renegade collectors" they will consistently call you at your home and/or company, threaten to send a marshall over to serve you with lawsuit documents or send out daunting letters, appearing to come from an attorney or law firm, stating that you will lose your car, 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 intimidate, threaten or harrass you or persuade you to provide financial or individual 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 treatments.

The Federal Fair Debt Collection Practices Act, the New York City City Consumer Protection Law Guideline 10 and New York State Statute, General Business Law, Post 29-H, (the "State Statute") all restrict threatening, bothering and daunting collection treatments. The State Statute prohibits a collection representative from (a) threatening to communicate with your employer prior to that representative obtaining a judgement versus you, (b) communicating with your household or home at such frequency or at such unusual hours as can fairly be expected to be violent or harassing, or (c) mimicing any judicial or legal process or appearing to be authorized, provided or approved by the federal government or an attorney to gather a debt.

If the collection agent sends you a letter demanding you pay without the reuired notification under the ZFN ASSOCIATES 702-780-0429 federal law regarding your privacy, your rights to contest the debt an dgiving you the proper 30 days to respond, then the debt collector is instantly responsible to you for any damages plus 3 times the amount of your damages. Each violation 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 as well as request a limiting action versus the collection business 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 bugged by a collection agency. Send your written problem, by certified mail, return invoice, to the owner/president and consist of in your letter that you "believe that agency is breaking 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 collection company to misdemeanor charges) and (b) demand a limiting action against the debt collection agency." Go ahead and submit your charges and problems if the collection company continues to abuse and harrass you.

This short article is definitely not all inclusive and is meant just as a short explanation of the legal concern provided. Not all cases are alike and it is strongly suggested that you seek advice from a lawyer if you have any concerns with respect to any legal matters.