Stop Debt Collection Agency Harassment

Owing a debt does not immediately subject you to harassing, threatening and other improper debt collection agency behavior. Some debt collection agency go too far with what I call "renegade collectors" they will repeatedly call you at your house and/or company, threaten to send out a marshall over to serve you with suit documents or send daunting letters, appearing to come from an attorney or law practice, mentioning that you will lose your vehicle, wages and other home if you do not pay your debt! It does not matter that you failed to pay a debt or that you can not manage to pay your debt at this time nobody should daunt, threaten or harrass you or persuade you to provide financial or individual information. Unsuitable collection treatments can intimidate you into spending for expenses 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 Protection Law Policy 10 and New York City State Statute, General Business Law, Short Article 29-H, (the "State Statute") all forbid threatening, harassing and intimidating collection treatments. For instance, the State Statute restricts a collector from (a) threatening to interact with your company prior to that agent acquiring a judgement versus you, (b) interacting with your household or household at such frequency or at such unusual hours as can reasonably be anticipated to be violent or harassing, or (c) simulating any legal or judicial process or seeming authorized, provided or authorized by the federal government or a lawyer to collect a debt.

Also, if the collector sends you a letter requiring you pay without the reuired notification under the federal law concerning your confidentiality, your rights to contest the debt an dgiving you the suitable One Month to react, then the debt collector is automatically liable 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 file charges with the State Attorney General or your County District Attorney as well as request a limiting action against the collection company to stop it from ZFN ASSOCIATES 702-780-0429 continuing abuse and harassment.

If you feel mistreated or bugged 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 receipt, to the owner/president and consist of in your letter that you "think that agency is breaking the Federal Fair Debt Collection Practices Act and other state and local laws and that you will (a) file complaints with the Chief law officer or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) request a restraining action versus the debt collection agency." Go ahead and file your charges and complaints if the collection business continues to abuse and harrass you.

This post is certainly not all inclusive and is intended just as a quick explanation of the legal issue 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.