The Federal Fair Debt Collection Practices Act, the New York City City Consumer Protection Law Guideline 10 and New York City State Statute, General Company Law, Post 29-H, (the "State Statute") all forbid threatening, frightening and pestering collection procedures. The State Statute restricts a collection agent from (a) threatening to interact with your employer prior to that agent getting a judgement against you, (b) communicating with your household or household at such frequency or at such uncommon hours as can fairly be expected to be abusive or harassing, or (c) imitating any judicial or legal process or appearing to be licensed, issued or authorized 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 suitable 30 days to react, then the debt collector is immediately accountable to you for any damages plus three times the quantity of your damages. Each infraction of the State Statute is a different misdemeanor offense. You can file accused of 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.
Call that agency and get the name and address of the owner/president if you feel abused or harassed by a collection agency. 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 which 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 against the debt collection agency." If 702-780-0429 the collection business continues to abuse and harrass you, then proceed and file your charges and problems.
This short article is certainly not all inclusive and is meant just as a brief explanation of the legal concern presented. 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.
