The Federal Fair Debt Collection Practices Act, the New York City City Customer Defense Law Guideline 10 and New York City State Statute, General Service Law, Short Article 29-H, (the "State Statute") all prohibit threatening, harassing and intimidating collection treatments. The State Statute forbids a collection agent from (a) threatening to communicate with your company prior to that representative acquiring a judgement against you, (b) interacting with your household or household at such frequency or at such unusual hours as can fairly be expected to be abusive or harassing, or (c) imitating any judicial or legal process or appearing to be licensed, released or approved by a lawyer or the government to collect a debt.
If the collection agent sends you a letter requiring you pay without the reuired notification under the federal law regarding your privacy, your rights to challenge the debt an dgiving you the suitable 30 days to respond, then the debt collector is instantly responsible to you for any damages plus three times the quantity of your damages. Each infraction of the State Statute is a separate misdemeanor offense. You can submit accused of the State Attorney General Of The United States or your County District Attorney and also demand a restraining action against the collection business to stop it from continuing abuse and harassment.
If you feel abused or harassed by a debt collector, call that agency and get the name and address of the owner/president. Send your composed complaint, by qualified mail, return receipt, to the owner/president and consist of in your letter that you ZFN Associates "believe that agency is breaching the Federal Fair Debt Collection Practices Act and other state and local laws which you will (a) file problems with the Attorney General or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) request a limiting action against the debt collector." If the collection company continues to abuse and harrass you, then proceed and submit your charges and complaints.
This post is certainly not all inclusive and is intended just as a brief description of the legal issue provided. If you have any concerns with respect to any legal matters, not all cases are alike and it is highly recommended that you speak with an attorney.