Stop Debt Collector Harassment

Owing a debt does not automatically subject you to bugging, threatening and other improper debt collector habits. Some debt collection agency go too far with exactly what I call "renegade collectors" they will repeatedly call you at your home and/or business, threaten to send a marshall over to serve you with claim documents or send out daunting letters, appearing to come from an attorney or law practice, stating that you will lose your car, 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 individual details. Unsuitable collection procedures can intimidate 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 Customer Security Law Policy 10 and New York State Statute, General Organisation Law, Short Article 29-H, (the "State Statute") all prohibit threatening, bugging and frightening collection treatments. The State Statute prohibits a collection representative from (a) threatening to communicate with your company prior to that agent obtaining a judgement versus you, (b) communicating with your household or home at such frequency or at such uncommon hours as can fairly be expected to be violent or harassing, or (c) mimicing any judicial or legal process or appearing to be licensed, provided or approved by the federal government or an attorney to gather a debt.

If the zfn and associates reviews collection agent sends you a letter requiring you pay without the reuired notice under the federal law concerning your confidentiality, your rights to challenge the debt an dgiving you the appropriate 30 days to react, then the debt collector is automatically accountable 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.

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 "think that agency is breaking the Federal Fair Debt Collection Practices Act and other state and local laws which you will (a) file complaints with the Chief law officer or the District Attorney's office (subjecting the collection business to misdemeanor charges) and (b) request a restraining action versus the collection agency." If the collection business continues to abuse and harrass you, then go ahead and submit your charges and problems.

This post is certainly not all inclusive and is planned only as a short description of the legal issue provided. If you have any concerns with respect to any legal matters, not all cases are alike and it is strongly advised that you consult an attorney.