The Federal Fair Debt Collection Practices Act, the New York City Customer Security Law Regulation 10 and New York City State Statute, General Service Law, Short Article 29-H, (the "State Statute") all prohibit threatening, bugging and daunting collection treatments. The State Statute forbids a collection agent from (a) threatening to interact with your company prior to that agent getting a judgement against you, (b) interacting with your family or household at such frequency or at such uncommon hours as can reasonably be anticipated to be violent or harassing, or (c) replicating any legal or judicial procedure or appearing to be authorized, released or approved by the government or a lawyer 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 zfn and associates reviews 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 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 and also demand a restraining action against the collection business to stop it from continuing abuse and harassment.
If you feel abused or bugged by a debt collection agency, call that agency and get the name and address of the owner/president. 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 company to misdemeanor charges) and (b) request a limiting action against the debt collection agency." If the collection company continues to abuse and harrass you, then go on and submit your grievances and charges.
This article 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.
