Stop Collection Agency Harassment

Owing a debt does not automatically subject you to bothering, threatening and other improper debt collection agency habits. Some debt collection agency go too far with exactly what I call "renegade collectors" they will consistently call you at your house and/or organisation, threaten to send out a marshall over to serve you with lawsuit papers or send intimidating letters, appearing to come from an attorney or law firm, stating that you will lose your vehicle, salaries 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 pay for to pay your debt at this time no one ought to daunt, threaten or harrass you or push you to provide monetary or individual info. Unsuitable collection treatments can daunt you into spending for costs that may 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 Company Law, Article 29-H, (the "State Statute") all prohibit threatening, frightening and pestering collection procedures. The State Statute restricts a collection agent from (a) threatening to communicate with your company prior to that representative obtaining a judgement against you, (b) interacting with your family or family at such frequency or at such uncommon hours as can fairly be anticipated to be abusive or harassing, or (c) simulating any judicial or legal procedure or appearing to be authorized, issued or authorized by a lawyer or the federal government to collect a debt.

If the collection representative sends you a letter demanding you pay without the reuired notice under the federal law concerning your confidentiality, your rights to dispute the debt an dgiving you the proper 30 days to react, then ZFN ASSOCIATES 702-780-0429 the debt collector is instantly responsible to you for any damages plus 3 times the quantity of your damages. Each violation of the State Statute is a different misdemeanor offense. You can file charges with the State Chief Law Officer or your County District Attorney and also 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 collector, 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 violating the Federal Fair Debt Collection Practices Act and other state and regional laws and that you will (a) file problems with the Attorney general of the United States or the District Attorney's office (subjecting the collection company to misdemeanor charges) and (b) demand a restraining action versus the collection agency." If the collection business continues to abuse and harrass you, then go on and submit your charges and grievances.

This article is definitely not all inclusive and is intended just as a brief description of the legal problem provided. If you have any concerns with respect to any legal matters, not all cases are alike and it is strongly recommended that you consult a lawyer.

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