Owing a debt does not automatically subject you to harassing, threatening and other inappropriate collection agency behavior. Some collection agencies go too far with what I call "renegade collectors" they will consistently call you at your house and/or service, threaten to send out a marshall over to serve you with suit papers or send intimidating letters, appearing to come from a lawyer or law office, mentioning that you will lose your automobile, salaries 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 pay for to pay your debt at this time no one ought to intimidate, threaten or harrass you or persuade you to offer individual or financial details. Unsuitable collection procedures can intimidate you into spending for expenses that might not even be your responsibility.You are safeguarded by the law from innapropriate collection procedures.
The Federal Fair Debt Collection Practices Act, the New York City City Customer Security Law Regulation 10 and New York City State Statute, General Service Law, Article 29-H, (the "State Statute") all forbid threatening, intimidating and bugging collection treatments. The State Statute forbids a collection representative from (a) threatening to communicate with your company prior to that agent getting a judgement versus you, (b) communicating with your household or home at such frequency or at such uncommon hours as can fairly be expected to be violent or harassing, or (c) mimicing any judicial or legal process or appearing to be licensed, provided or authorized by a lawyer or the government to gather a debt.
Also, if the collector sends you a letter demanding you pay without the reuired notification under the federal law concerning your confidentiality, your rights to contest the debt an dgiving ZFN and Associates Robocalls you the appropriate One Month to respond, then the debt collector is immediately liable to you for any damages plus 3 times the amount of your damages. Each violation 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 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 regional laws and that you will (a) file grievances with the Attorney General or the District Attorney's workplace (subjecting the collection business to misdemeanor charges) and (b) request a limiting action against the debt collection agency." If the collection business continues to abuse and harrass you, then go on and file your complaints and charges.
This article is definitely not all inclusive and is intended 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.