Stop Collection Agency Harassment

Owing a debt does not automatically 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 home and/or company, threaten to send a marshall over to serve you with lawsuit documents or send out frightening letters, appearing to come from a lawyer 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 individual or financial details. Improper collection procedures 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 Consumer Defense Law Guideline 10 and New York City State Statute, General Company Law, Article 29-H, (the "State Statute") all prohibit threatening, pestering and frightening collection procedures. The State Statute prohibits a collection agent from (a) threatening to interact with your employer prior to that representative acquiring a judgement against you, (b) interacting with your household or household at such frequency or at such uncommon hours as can reasonably be anticipated to be violent or harassing, or (c) mimicing any legal or judicial procedure or appearing to be licensed, provided 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 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 accountable to you for any damages plus three times the quantity of your damages. Each violation of the State Statute is a separate misdemeanor offense. You can submit charges with the State Attorney General Of The United States 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 mistreated or harassed by a debt collection agency, call that agency and get the name and address of the owner/president. Send your written problem, by certified mail, return receipt, to the owner/president and consist of in your letter that you "believe that agency is breaking the Federal Fair Debt Collection Practices Act and other state and regional laws which you will (a) file complaints with the Attorney general of the United States or the ZFN and Associates Robocalls District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) demand a limiting action versus the collection agency." Go ahead and file your charges and problems if the collection company continues to abuse and harrass you.

This article is definitely not all inclusive and is planned just as a brief description of the legal concern provided. If you have any concerns with regard to any legal matters, not all cases are alike and it is strongly suggested that you seek advice from a lawyer.