Stop Debt Collection Agency Harassment

Owing a debt does not immediately subject you to pestering, threatening and other inappropriate debt collector habits. Some collection agencies go too far with exactly what I call "renegade collectors" they will repeatedly call you at your house and/or company, threaten to send out a marshall over to serve you with suit documents or send frightening letters, appearing to come from a lawyer or law firm, specifying that you will lose your car, 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 afford to pay your debt at this time nobody should daunt, threaten or harrass you or coerce you to provide monetary or personal details. Inappropriate collection treatments can intimidate you into paying 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 Consumer Security Law Guideline 10 and New York State Statute, General Company Law, Post 29-H, (the "State Statute") all prohibit threatening, intimidating and bothering collection treatments. The State Statute restricts a collection representative from (a) threatening to interact with your employer prior to that agent obtaining a judgement against you, (b) interacting with your household or family 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 licensed, issued or 702-780-0429 approved by a lawyer or the federal government 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 1 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 Chief Law Officer or your County District Attorney and also demand a restraining action versus the collection company 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 pestered by a collection agency. Send your written grievance, by qualified mail, return receipt, to the owner/president and consist of in your letter that you "think that agency is violating the Federal Fair Debt Collection Practices Act and other state and regional laws which you will (a) file grievances with the Chief law officer or the District Attorney's office (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 go on and submit your charges and complaints.

This short article is definitely not all inclusive and is planned only as a short description of the legal issue presented. Not all cases are alike and it is highly advised that you consult an attorney if you have any concerns with respect to any legal matters.