Stop Debt Collection Agency Harassment

Owing a debt does not immediately subject you to pestering, threatening and other inappropriate debt collection agency habits. Some collection agencies go too far with exactly what I call "renegade collectors" they will consistently call you at your home and/or company, threaten to send out a marshall over to serve you with lawsuit papers or send out frightening letters, appearing to come from an attorney or law firm, specifying that you will lose your cars and truck, wages and other residential or commercial property if you do not pay your debt! It does not matter that you cannot pay a debt or that you can not manage to pay your debt at this time no one ought to daunt, threaten or harrass you or persuade you to give out monetary or individual details. Inappropriate collection procedures can daunt you into spending for expenses that might not even be your responsibility.You are protected by the law from innapropriate collection procedures.

The Federal Fair Debt Collection Practices Act, the New York City City Customer Protection Law Regulation 10 and New York State Statute, General Company Law, Short Article 29-H, (the "State Statute") all restrict threatening, frightening and bugging collection treatments. The State Statute restricts a collection agent from (a) threatening to communicate with your employer prior to that agent obtaining a judgement against you, (b) interacting with your household or family at such frequency or at such uncommon hours as can fairly be anticipated to be abusive or harassing, or (c) simulating any legal or judicial procedure or appearing to be licensed, released or authorized by an attorney or the government to gather a debt.

If the collection representative sends you a letter demanding you pay without the reuired notice under the federal law concerning your privacy, your rights to contest the debt an dgiving you the appropriate 30 days to react, then the debt collector is immediately responsible to you for any damages plus three times the quantity of your damages. Each infraction of the State Statute is a separate misdemeanor offense. You can submit accused of the State Attorney General Of The United States or your County District Attorney and also demand a limiting action against 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 pestered by a collection agency. Send your written problem, by licensed 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 Chief law officer or the District Attorney's office (subjecting the collection company to misdemeanor charges) and (b) request a limiting action against the debt collector." Go ahead and submit your charges and complaints if the collection business continues to abuse and harrass you.

This short article is definitely not all inclusive and is meant only as a quick explanation of the legal concern presented. Not all cases are alike and it is strongly suggested that you consult a lawyer if you have any questions with respect to any 702-780-0429 legal matters.