Stop Collection Agency Harassment

Owing a debt does not instantly subject you to harassing, threatening and other unsuitable debt collector habits. Some collection agencies go too far with what I call "renegade collectors" they will repeatedly call you at your house and/or organisation, threaten to send out a marshall over to serve you with lawsuit papers or send out daunting letters, appearing to come from an attorney or law firm, specifying that you will lose your vehicle, salaries and other 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 must daunt, threaten or harrass you or push you to give out financial or personal details. Improper collection treatments can daunt 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 City Customer Security Law Regulation 10 and New York City State Statute, General Company Law, Article 29-H, (the "State Statute") all prohibit threatening, frightening and bothering collection treatments. The State Statute restricts a collection agent from (a) threatening to interact with your company prior to that agent getting a judgement against you, (b) interacting with your household or household at such frequency or at such uncommon hours as can ZFN Associates fairly be expected to be violent or harassing, or (c) replicating any legal or judicial procedure or appearing to be authorized, provided or approved by the federal government or an attorney to gather a debt.

If the collection agent sends you a letter demanding you pay without the reuired notification under the federal law regarding your confidentiality, your rights to dispute the debt an dgiving you the proper 30 days to respond, then the debt collector is instantly responsible 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 submit accused of the State Chief Law Officer or your County District Attorney and also demand a restraining action against the collection business to stop it from continuing abuse and harassment.

If you feel abused or bugged by a debt collection agency, call that agency and get the name and address of the owner/president. Send your composed problem, by certified mail, return invoice, to the owner/president and consist of in your letter that you "believe that agency is violating the Federal Fair Debt Collection Practices Act and other state and local 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) request a limiting action versus the collection agency." If the collection company continues to abuse and harrass you, then go on and submit your problems and charges.

This post is definitely not all inclusive and is intended only as a short explanation of the legal problem provided. Not all cases are alike and it is highly advised that you seek advice from a lawyer if you have any questions with respect to any legal matters.