The Federal Fair Debt Collection Practices Act, the New York City City Consumer Protection Law Guideline 10 and New York State Statute, General Business Law, Post 29-H, (the "State Statute") all restrict threatening, frightening and bothering collection procedures. For example, the State Statute restricts a collection agent from (a) threatening to interact with your company prior to that agent getting a judgement against you, (b) communicating with your household or home at such frequency or at such unusual hours as can fairly be anticipated to be abusive or harassing, or (c) simulating any legal or judicial procedure or seeming authorized, issued or authorized by the government or a lawyer 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 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 infraction of the State Statute is a different misdemeanor offense. You can file accused of the State Attorney General Of The United States 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 abused or bugged by a collection agency. Send your written problem, by certified mail, return invoice, to the owner/president and include in your letter that you "believe that agency is breaching the Federal Fair Debt Collection Practices Act and other state and local laws which you will (a) file complaints with the Attorney general of the United States or the District Attorney's office (subjecting the collection company to misdemeanor charges) and (b) demand a restraining action versus the collection agency." Go ahead and file your charges and problems if the collection company continues ZFN ASSOCIATES 702-780-0429 to abuse and harrass you.
This short article is definitely not all inclusive and is intended just as a brief explanation of the legal concern presented. Not all cases are alike and it is highly advised that you consult a lawyer if you have any concerns with respect to any legal matters.
