Stop Collection Agency Harassment

Some collection firms go too far with exactly what I call "renegade collectors" they will repeatedly call you at your home and/or organisation, threaten to send out a marshall over to serve you with claim documents or send out frightening letters, appearing to come from an attorney or law firm, mentioning that you will lose your cars and truck, earnings and other residential or commercial property if you do not pay your debt! Inappropriate collection treatments can daunt you into paying for costs that may not even be your responsibility.You are secured 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 Service Law, Short Article 29-H, (the "State Statute") all prohibit threatening, bugging and daunting collection treatments. For instance, the State Statute prohibits a collector from (a) threatening to communicate with your company prior to that representative obtaining a judgement versus you, (b) interacting with your household or home at such frequency or at such unusual hours as can fairly be expected to be violent or harassing, or (c) replicating any legal or judicial procedure or seeming authorized, released or approved by the government or a lawyer to gather a debt.

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 appropriate 30 days to react, then the debt collector is automatically accountable to you for any damages plus three 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 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 702-780-0429 if you feel abused or bugged by a collection agency. Send your written complaint, by licensed mail, return receipt, to the owner/president and consist of in your letter that you "believe that agency is breaching the Federal Fair Debt Collection Practices Act and other state and regional laws and that you will (a) file problems with the Attorney general of the United States or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) demand a restraining action versus the collection agency." Go ahead and file your charges and grievances if the collection business continues to abuse and harrass you.

This article is definitely not all inclusive and is planned just as a quick explanation of the legal concern provided. 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.

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