Stop Debt Collection Agency Harassment

Owing a debt does not instantly subject you to pestering, threatening and other unsuitable debt collection agency 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 service, threaten to send out a marshall over to serve you with suit papers or send intimidating letters, appearing to come from an attorney or law office, mentioning that you will lose your automobile, earnings and other residential or commercial property if you do not pay your debt! It does not matter that you failed to pay a debt or that you can not afford to pay your debt at this time no one need to frighten, threaten or harrass you or push you to provide 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 Policy 10 and New York State Statute, General Business Law, Post 29-H, (the "State Statute") all restrict threatening, harassing and frightening collection procedures. The State Statute prohibits a collection representative from (a) threatening to interact with your employer prior to that representative obtaining a judgement versus you, (b) communicating with your family or home at such frequency or at such unusual hours as can fairly be expected to be violent or harassing, or (c) replicating any legal or judicial procedure or appearing to be authorized, released or approved by an attorney or the federal government to collect a debt.

If the collection representative 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 proper 30 days to respond, then the debt collector is instantly responsible to you for any damages plus 3 times the amount of your damages. Each offense of the State Statute is a separate misdemeanor offense. You can submit charges with the State Attorney General or your County District Attorney and also demand a restraining action versus 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 ZFN and Associates agency. Send your composed complaint, by qualified 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 and that you will (a) file problems with the Attorney General or the District Attorney's workplace (subjecting the collection business to misdemeanor charges) and (b) request a limiting action against the debt collection agency." If the collection business continues to abuse and harrass you, then go on and submit your charges and complaints.

This article is certainly not all inclusive and is planned only as a short description of the legal issue provided. Not all cases are alike and it is strongly recommended that you consult a lawyer if you have any concerns with respect to any legal matters.