Stop Debt Collector Harassment

Owing a debt does not instantly subject you to bugging, threatening and other improper debt collector habits. Some debt collector go too far with exactly what I call "renegade collectors" they will consistently call you at your house and/or service, threaten to send a marshall over to serve you with suit papers or send intimidating letters, appearing to come from a lawyer or law office, mentioning that you will lose your cars and truck, incomes and other home 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 nobody ought to daunt, threaten or harrass you or coerce you to give out monetary or individual info. Inappropriate collection procedures can frighten you into spending for expenses that may 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 Customer Security Law Regulation 10 and New York City State Statute, General Service Law, Short Article 29-H, (the "State Statute") all prohibit threatening, harassing and frightening collection procedures. The State Statute prohibits a collection representative from (a) threatening to communicate with your employer prior to that agent obtaining a judgement versus you, (b) communicating with your family or family at such frequency or at such unusual hours as can fairly be expected to be abusive or harassing, or (c) imitating any legal or judicial process or appearing to be zfn processing licensed, provided or authorized by the federal government or an attorney to collect a debt.

Likewise, if the collection agent sends you a letter requiring you pay without the reuired notification under the federal law regarding your confidentiality, your rights to challenge the debt an dgiving you the suitable 30 days to react, then the debt collector is immediately liable to you for any damages plus three times the quantity of your damages. Each infraction of the State Statute is a different 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 mistreated or bothered by a collection agency. Send your composed grievance, by qualified 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 local laws which you will (a) file grievances with the Chief law officer or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) demand a restraining action versus the collection agency." If the collection business continues to abuse and harrass you, then go ahead and submit your problems and charges.

This short article is certainly not all inclusive and is meant just as a brief description of the legal issue provided. Not all cases are alike and it is strongly suggested that you consult an attorney if you have any concerns with respect to any legal matters.

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