Some collection companies go too far with what I call "renegade collectors" they will repeatedly call you at your house and/or service, threaten to send a marshall over to serve you with lawsuit documents or send out daunting letters, appearing to come from an attorney or law firm, mentioning that you will lose your automobile, earnings and other property if you do not pay your debt! Inappropriate collection treatments can daunt you into paying for costs 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 Customer Security Law Regulation 10 and New York City State Statute, General Company Law, Article 29-H, (the "State Statute") all forbid threatening, intimidating and bugging collection treatments. For instance, the State Statute prohibits a collector from (a) threatening to communicate with your employer prior to that representative acquiring a judgement against you, (b) interacting with your household or home at such frequency or at such unusual hours as can reasonably be expected to be violent or harassing, or (c) replicating any legal or judicial procedure or seeming authorized, issued or authorized by an attorney or the federal government to collect a debt.
Likewise, if the collection agent sends you a letter demanding you pay without the reuired notice 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 and also demand a restraining action versus the collection company 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 grievance, by qualified mail, return receipt, to the owner/president and consist of in your letter that you "believe that agency is breaking the Federal Fair Debt Collection Practices Act and other state and local laws and that you will (a) file problems with the Attorney general of the United 702-780-0429 States or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) demand a limiting action against the debt collector." Go ahead and file your charges and problems if the collection company continues to abuse and harrass you.
This short article is certainly not all inclusive and is meant just as a brief description of the legal concern 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.