The Federal Fair Debt Collection Practices Act, the New York City Consumer Security Law Guideline 10 and New York City State Statute, General Service Law, Article 29-H, (the "State Statute") all forbid threatening, bugging and daunting collection treatments. The State Statute prohibits a collection representative from (a) threatening to communicate with your employer prior to that representative obtaining a judgement versus you, (b) interacting with your family or family at such frequency or at such unusual hours as can fairly be anticipated to be abusive or harassing, or (c) imitating any legal or judicial process or appearing to be licensed, issued or authorized by the government or a lawyer to gather a debt.
Also, if the collection agent sends you a letter demanding you pay without the reuired notification under the federal law concerning your confidentiality, your rights to challenge the debt an dgiving you the appropriate 1 Month to respond, then the debt collector is automatically liable to you for any damages plus 3 times the amount of your damages. Each offense of the State Statute is a separate misdemeanor offense. You can file accused of the State Attorney General or your County District Attorney as well as request 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 harassed by a collection agency. Send your composed complaint, by licensed mail, return receipt, to the owner/president and include in your letter that you "think 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 collector." If the collection company continues to abuse and harrass you, then go on and file your charges and grievances.
This short article ZFN Associates is definitely not all inclusive and is meant just as a brief description of the legal concern provided. If you have any questions with regard to any legal matters, not all cases are alike and it is strongly suggested that you seek advice from an attorney.