Stop Debt Collection Agency 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 cars and truck, 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 personal or financial info. Inappropriate collection treatments can frighten you into spending for expenses that might 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 City Consumer Protection Law Guideline 10 and New York City State Statute, General Company Law, Post 29-H, (the "State Statute") all forbid threatening, bothering and frightening collection treatments. The State Statute prohibits a collection representative from (a) threatening to communicate with your company 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 legal or judicial procedure or appearing to be authorized, released or approved by a lawyer or the government 702-780-0429 to collect a debt.

If the collection representative sends you a letter demanding you pay without the reuired notification under the federal law regarding your privacy, your rights to dispute the debt an dgiving you the proper 30 days to respond, then the debt collector is instantly 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 file accused of the State Attorney General or your County District Attorney as well as demand a restraining action versus the collection company to stop it from continuing abuse and harassment.

If you feel mistreated or bothered by a collection agency, call that agency and get the name and address of the owner/president. Send your composed problem, by licensed mail, return receipt, 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 local laws and that you will (a) file problems with the Attorney general of the United States or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) demand a restraining action against the debt collector." If the collection company continues to abuse and harrass you, then proceed and file your charges and grievances.

This short article is definitely not all inclusive and is intended just as a quick explanation of the legal concern presented. If you have any questions with regard to any legal matters, not all cases are alike and it is strongly suggested that you seek advice from an attorney.

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