Stop Debt Collector Harassment

Owing a debt does not automatically subject you to bugging, threatening and other improper debt collector habits. Some debt collector go too far with exactly what I call "renegade collectors" they will repeatedly call you at your home and/or business, threaten to send a marshall over to serve you with claim documents or send out daunting letters, appearing to come from an attorney or law firm, stating 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 failed to pay a debt or that you can not pay for to pay your debt at this time no one need to frighten, threaten or harrass you or push you to provide monetary or individual info. Inappropriate collection procedures can frighten you into spending for costs that may not even be your responsibility.You are secured by the law from innapropriate collection treatments.

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, Article 29-H, (the "State Statute") all forbid threatening, pestering and daunting collection procedures. For instance, the State Statute forbids a collection agent from (a) threatening to communicate with your company prior to that agent obtaining a judgement versus you, (b) communicating with your household or home at such frequency or at such unusual hours as can fairly be anticipated to be abusive or harassing, or (c) imitating any judicial or legal process or seeming authorized, 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 notification under the federal law regarding your privacy, your rights to dispute the debt an dgiving you the proper 30 days to respond, then the debt collector is instantly 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 submit charges with the State Chief Law Officer or your County District Attorney and also demand a restraining action versus 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 "think that agency is breaking the Federal Fair Debt Collection Practices Act and other state and ZFN and Associates Robocalls regional laws and that you will (a) file grievances with the Attorney General or the District Attorney's office (subjecting the collection business to misdemeanor charges) and (b) request a limiting action against the debt collection agency." Go ahead and submit your charges and complaints if the collection business continues to abuse and harrass you.

This post is certainly not all inclusive and is planned only 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 recommended that you speak with a lawyer.

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