Owing a debt does not immediately subject you to bothering, threatening and other improper debt collection agency behavior. Some debt collection agency go too far with exactly what I call "renegade collectors" they will repeatedly call you at your house and/or business, threaten to send out a marshall over to serve you with claim papers or send frightening letters, appearing to come from an attorney or law firm, mentioning that you will lose your vehicle, earnings and other property if you do not pay your debt! It does not matter that you cannot pay a debt or that you can not manage to pay your debt at this time no one must intimidate, threaten or harrass you or push you to offer personal or monetary details. Inappropriate collection treatments can frighten you into paying for expenses that might not even be your responsibility.You are safeguarded by the law from innapropriate collection treatments.
The Federal Fair Debt Collection Practices Act, the New York City Consumer Security Law Guideline 10 and New York State Statute, General Company Law, Post 29-H, (the "State Statute") all forbid threatening, daunting and bugging collection treatments. For instance, the State Statute restricts a collection agent from (a) threatening to interact with your company prior to that representative getting a judgement against you, (b) communicating with your household or household at such frequency or at such unusual hours as can reasonably be expected to be abusive or harassing, or (c) replicating any judicial or legal procedure or appearing to be authorized, provided or approved by the federal government or a lawyer to collect a debt.
Also, if the collection agent sends you a letter requiring you pay without the reuired notice under the federal law regarding your privacy, your rights to contest the debt an dgiving you the suitable Thirty Days to respond, then the debt collector is instantly liable to you for any damages plus 3 times the amount of your damages. Each infraction of the State Statute is a different 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 restraining 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 composed complaint, ZFN & Associates by licensed mail, return receipt, to the owner/president and consist of in your letter that you "believe that agency is breaching 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 company to misdemeanor charges) and (b) demand a limiting action against the debt collection agency." Go ahead and file your charges and problems if the collection company continues to abuse and harrass you.
This post is certainly not all inclusive and is planned only as a short explanation of the legal problem presented. If you have any concerns with respect to any legal matters, not all cases are alike and it is highly recommended that you speak with a lawyer.