The Federal Fair Debt Collection Practices Act, the New York City Consumer Protection Law Guideline 10 and New York City State Statute, General Service Law, Short Article 29-H, (the "State Statute") all restrict threatening, bothering and intimidating collection treatments. For example, the State Statute restricts a collection agent from (a) threatening to communicate with your company prior to that representative acquiring a judgement against you, (b) communicating with your household or family at such frequency or at such uncommon hours as can reasonably be expected to be violent or harassing, or (c) replicating any judicial or legal process or appearing to be licensed, zfn and associates reviews provided or authorized by the federal government or a lawyer to collect a debt.
Likewise, if the collector sends you a letter demanding you pay without the reuired notification under the federal law concerning your confidentiality, your rights to dispute the debt an dgiving you the proper One Month to respond, then the debt collector is automatically liable 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 submit charges with the State Attorney General or your County District Attorney as well as request a limiting action versus the collection company to stop it from continuing abuse and harassment.
If you feel abused or pestered by a debt collector, call that agency and get the name and address of the owner/president. Send your written problem, 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 local laws which you will (a) file complaints with the Attorney General or the District Attorney's workplace (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 file your charges and problems.
This article is definitely not all inclusive and is planned only as a short description of the legal concern presented. If you have any questions with regard to any legal matters, not all cases are alike and it is highly recommended that you speak with a lawyer.