Stop Debt Collection Agency Harassment

Owing a debt does not immediately subject you to harassing, threatening and other inappropriate collection agency behavior. Some collection agencies 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 suit papers or send frightening letters, appearing to come from a lawyer or law office, mentioning that you will lose your cars and truck, incomes and other home if you do not pay your debt! It does not matter that you cannot pay a debt or that you can not pay for to pay your debt at this time no one must daunt, threaten or harrass you or persuade you to provide individual or monetary details. Improper collection treatments can daunt you into spending 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 Consumer Protection Law Regulation 10 and New York State Statute, General Organisation Law, Post 29-H, (the "State Statute") all forbid threatening, intimidating and harassing collection treatments. For example, the State Statute restricts a collector from (a) threatening to interact with your employer prior to that agent getting a judgement against you, (b) communicating with your household 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 seeming authorized, provided or approved by the government or a lawyer to gather a debt.

Also, if the collector 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 appropriate One Month to react, then the debt collector is immediately liable to you for any damages plus three times the quantity of your damages. Each violation of the State Statute is a different misdemeanor offense. You can file accused of the State Attorney General or your County District Attorney as well as request 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 harassed by a collection agency. Send your written problem, by certified 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 local laws which you will (a) file complaints with the 702-780-0429 Attorney general of the United States or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) request a limiting action versus the debt collection agency." Go ahead and submit your charges and problems if the collection company continues to abuse and harrass you.

This short article is definitely not all inclusive and is intended just as a short description of the legal issue presented. If you have any questions with respect to any legal matters, not all cases are alike and it is highly advised that you consult a lawyer.