Stop Collection Agency Harassment

Owing a debt does not immediately subject you to pestering, threatening and other inappropriate 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 company, threaten to send a marshall over to serve you with suit papers or send out daunting letters, appearing to come from an attorney or law office, mentioning that you will lose your car, incomes 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 should daunt, threaten or harrass you or push you to provide individual or monetary information. Inappropriate collection procedures can intimidate you into spending for expenses that might 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 Consumer Protection Law Regulation 10 and New York State Statute, General Business Law, Article 29-H, (the "State Statute") all forbid threatening, bugging and frightening collection procedures. For instance, the State Statute prohibits a collection agent from (a) threatening to interact with your company prior to that representative acquiring a judgement against you, (b) communicating with your family or family at such frequency or at such uncommon hours as can reasonably be anticipated to be violent or harassing, or (c) replicating any legal or judicial process or appearing to be licensed, provided or approved by the federal government or an attorney to gather a debt.

Also, if the collector sends you a letter demanding you pay without the reuired notification under the federal law regarding your privacy, your rights to contest the debt an dgiving you the appropriate One Month to respond, then the debt collector is instantly liable to you for any damages plus three times the quantity of your damages. Each offense 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 and also request a limiting action against 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 mistreated or bothered by a collection agency. Send your composed complaint, by qualified mail, return receipt, to the owner/president and consist of in your letter that you "believe that agency is breaking 702-780-0429 the Federal Fair Debt Collection Practices Act and other state and regional laws and that you will (a) file problems with the Attorney General or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) demand a limiting action against the debt collector." If the collection company continues to abuse and harrass you, then proceed and file your problems and charges.

This short 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 advised that you consult an attorney if you have any concerns with respect to any legal matters.