The Federal Fair Debt Collection Practices Act, the New York City Consumer Defense Law Guideline 10 and New York State Statute, General Company Law, Short Article 29-H, (the "State Statute") all forbid threatening, bugging and intimidating collection treatments. For example, the State Statute forbids a collection agent from (a) threatening to communicate with your employer prior to that agent acquiring a judgement versus you, (b) interacting with your household or household 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 process or seeming licensed, released or authorized by the federal government or a lawyer to collect a debt.
Likewise, if the collector sends you a letter requiring you pay without the reuired notification under the federal law concerning your confidentiality, your rights to contest the debt an dgiving you the suitable Thirty Days to respond, then the debt collector is immediately liable to you for any damages plus three times the amount of your damages. Each offense of the State Statute is a different misdemeanor offense. You can submit accused of the State Attorney General Of The United States or your County District Attorney and also request a restraining 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 composed grievance, by licensed mail, return receipt, to the owner/president and include in your letter ZFN & Associates that you "think that agency is breaching the Federal Fair Debt Collection Practices Act and other state and regional laws and that you will (a) file complaints with the Attorney General or the District Attorney's workplace (subjecting the collection business to misdemeanor charges) and (b) demand a restraining action against the collection agency." If the collection business continues to abuse and harrass you, then proceed and file your complaints and charges.
This short article is certainly not all inclusive and is planned just as a short explanation of the legal issue provided. If you have any concerns with respect to any legal matters, not all cases are alike and it is strongly advised that you speak with an attorney.
