Stop Debt Collector Harassment

Owing a debt does not instantly subject you to bothering, threatening and other unsuitable debt collection agency behavior. Some collection agencies go too far with what I call "renegade collectors" they will repeatedly call you at your house and/or organisation, threaten to send out a marshall over to serve you with suit papers or send intimidating letters, appearing to come from an attorney or law office, mentioning that you will lose your automobile, earnings and other residential or commercial property if you do not pay your debt! It does not matter that you failed to pay a debt or that you can not afford to pay your debt at this time nobody need to frighten, threaten or harrass you or push you to give out personal or monetary information. Inappropriate collection treatments can frighten you into paying 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 City Customer Protection Law Regulation 10 and New York City State Statute, General Company 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 family or family at such frequency or at such uncommon hours as can reasonably be anticipated to be abusive or harassing, or (c) simulating any judicial or legal process or appearing to be licensed, provided or authorized by the federal government or an attorney to gather a debt.

Likewise, if the collection agent sends you a letter requiring you pay without the reuired notice under the federal law concerning your confidentiality, your rights to challenge the debt an dgiving you the suitable 30 days to react, 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 submit charges with the State Chief Law Officer or your County District Attorney and also demand a restraining action versus the collection company to stop it from continuing abuse and harassment.

If you feel mistreated or harassed by a debt collection agency, call that agency and get the name and address of the owner/president. Send your written grievance, by qualified mail, return receipt, 702-780-0429 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 regional laws and that you will (a) file grievances with the Chief law officer or the District Attorney's office (subjecting the collection business to misdemeanor charges) and (b) request a limiting action versus the debt collector." Go ahead and file your charges and grievances if the collection business continues to abuse and harrass you.

This post is certainly not all inclusive and is planned only as a quick explanation of the legal problem presented. If you have any concerns with respect to any legal matters, not all cases are alike and it is highly advised that you speak with a lawyer.

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