Stop Debt Collection Agency Harassment

Owing a debt does not instantly subject you to bugging, threatening and other inappropriate 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 service, threaten to send out a marshall over to serve you with lawsuit papers or send daunting letters, appearing to come from an attorney or law firm, mentioning that you will lose your car, incomes and other 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 ought to daunt, threaten or harrass you or push you to provide individual or monetary details. Improper collection treatments can daunt you into paying for costs 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 Protection Law Guideline 10 and New York City State Statute, General Company Law, Article 29-H, (the "State Statute") all forbid threatening, intimidating and bugging collection treatments. For example, the State Statute prohibits a collector 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 fairly be expected to be violent or harassing, or (c) replicating any legal or judicial procedure or appearing to be authorized, provided or approved by the federal government or a lawyer to collect a debt.

Likewise, if the collection agent sends you a letter demanding you pay without the reuired notification under the federal law regarding your privacy, your rights to dispute the debt an dgiving you the proper Thirty Days to react, then the debt collector is immediately liable to you for any damages plus 3 times the amount of your damages. Each infraction of the State Statute is a different misdemeanor offense. You can file accused of 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 abused or pestered by a collection agency, call that agency and get the name and address of the owner/president. Send your composed complaint, by licensed mail, return invoice, to the owner/president and include in your letter that you "think 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 Chief law officer or the District Attorney's office (subjecting the collection business to misdemeanor charges) and (b) demand a restraining action 702-780-0429 versus the collection agency." Go ahead and submit your charges and problems if the collection company continues to abuse and harrass you.

This post is certainly not all inclusive and is meant just as a brief explanation of the legal concern presented. Not all cases are alike and it is highly advised that you consult a lawyer if you have any questions with respect to any legal matters.