Stop Collection Agency Harassment

Owing a debt does not instantly subject you to pestering, threatening and other unsuitable debt collection agency behavior. Some debt collection agency go too far with 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 daunting letters, appearing to come from an attorney or law firm, stating that you will lose your car, wages and other home if you do not pay your debt! It does not matter that you cannot pay a debt or that you can not manage to pay your debt at this time nobody ought to daunt, threaten or harrass you or push you to give out personal or monetary information. Inappropriate collection treatments can frighten you into spending for costs that may not even be your responsibility.You are protected by the law from innapropriate collection treatments.

The Federal Fair Debt Collection Practices Act, the New York City Customer Defense Law Policy 10 and New York State Statute, General Organisation Law, Short Article 29-H, (the "State Statute") all restrict threatening, frightening and pestering collection procedures. The State Statute forbids a collection representative from (a) threatening to communicate with your company prior to that agent getting a judgement versus you, (b) communicating with your household or home at such frequency or at such uncommon hours as can fairly be anticipated to be abusive or harassing, or (c) imitating any judicial or legal process or appearing to be licensed, provided or authorized by a lawyer or the government to gather a debt.

Also, if the collector sends you a letter demanding you pay without the reuired notification under the federal law concerning your confidentiality, your rights to dispute the debt an dgiving you the proper Thirty Days to react, then the debt collector is immediately liable to you for any damages plus 3 times the quantity of your damages. Each violation of the State Statute is a different misdemeanor offense. You can file accused of the State Attorney General or your County District Attorney as well as request a limiting action against the collection company to stop it from continuing abuse and harassment.

If you feel mistreated or pestered by a collection agency, call that agency and get the name and address of the owner/president. Send your written problem, by licensed mail, return invoice, to the owner/president and include in your letter that you "think 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 collection agency." If the collection business continues to abuse and harrass you, then go on and submit your grievances and charges.

This article is definitely not all inclusive and is 702-780-0429 meant only as a quick explanation of the legal problem provided. Not all cases are alike and it is strongly suggested that you consult an attorney if you have any concerns with respect to any legal matters.