Stop Debt Collector Harassment

Owing a debt does not automatically subject you to bothering, threatening and other inappropriate collection agency behavior. Some collection agencies go too far with what I call "renegade collectors" they will consistently call you at your house and/or service, threaten to send out a marshall over to serve you with suit papers or send daunting letters, appearing to come from an attorney or law practice, specifying that you will lose your vehicle, wages 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 nobody ought to intimidate, threaten or harrass you or coerce you to offer financial or personal details. Improper collection treatments can daunt 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 Customer Security Law Regulation 10 and New York City State Statute, General Service Law, Article 29-H, (the "State Statute") all restrict threatening, pestering and intimidating collection procedures. The State Statute forbids a collection agent from (a) threatening to interact with your company prior to that representative acquiring a judgement versus you, (b) interacting with your household or home at such frequency or at such unusual hours as can fairly be expected to be abusive or harassing, or (c) replicating any legal or judicial procedure or appearing to be licensed, issued or authorized by a lawyer or the government to gather a debt.

If the collection agent sends you a letter requiring you pay without the reuired notice under 702-780-0429 the federal law concerning 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 three times the quantity of your damages. Each violation of the State Statute is a different misdemeanor offense. You can file accused of the State Attorney General or your County District Attorney as well as request a limiting action against the collection business to stop it from continuing abuse and harassment.

If you feel abused or pestered by a collection agency, call that agency and get the name and address of the owner/president. Send your written complaint, by qualified mail, return receipt, 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 regional laws which you will (a) file grievances with the Attorney General or the District Attorney's office (subjecting the collection business to misdemeanor charges) and (b) request a restraining action versus the debt collection agency." If the collection business continues to abuse and harrass you, then go ahead and submit your charges and complaints.

This short article is definitely not all inclusive and is planned only as a quick explanation of the legal problem provided. If you have any questions with regard to any legal matters, not all cases are alike and it is highly recommended that you speak with a lawyer.