Stop Collection Agency Harassment

Owing a debt does not automatically subject you to bothering, threatening and other improper debt collector behavior. Some debt collection agency go too far with exactly what I call "renegade collectors" they will repeatedly call you at your home and/or company, threaten to send out a marshall over to serve you with claim documents or send out intimidating letters, appearing to come from an attorney or law practice, specifying that you will lose your automobile, incomes and other property if you do not pay your debt! It does not matter that you failed to pay a debt or that you can not afford to pay your debt at this time no one ought to daunt, threaten or harrass you or push you to offer monetary or individual information. Inappropriate collection procedures can intimidate you into paying for costs that may not even be your responsibility.You are safeguarded by the law from innapropriate collection procedures.

The Federal Fair Debt Collection Practices Act, the New York City City Customer Security Law Policy 10 and New York State Statute, General Company Law, Article 29-H, (the "State Statute") all prohibit threatening, bothering and intimidating collection procedures. For instance, the State Statute forbids a collector from (a) threatening to interact with your company prior to that representative acquiring a judgement against you, (b) communicating with your family or household at such frequency or at such uncommon hours as can fairly be anticipated to be violent or harassing, or (c) replicating any legal or judicial process or appearing to be authorized, released or authorized by the federal government or a lawyer to collect a debt.

If the collection representative sends you a letter requiring you pay without the reuired notification under the federal law concerning your privacy, your rights to dispute the debt an dgiving you the appropriate 30 days to respond, then the debt collector is automatically responsible to you for any damages plus three times the amount of your damages. Each infraction of the State Statute is a separate misdemeanor offense. You can file charges with the State Chief Law Officer or your County District Attorney as well as demand a limiting action versus the collection business to stop it from continuing abuse and harassment.

Call that agency and get the name and address 702-780-0429 of the owner/president if you feel abused or harassed by a collection agency. Send your written complaint, by certified mail, return invoice, to the owner/president and consist of in your letter that you "think that agency is breaching the Federal Fair Debt Collection Practices Act and other state and regional laws which you will (a) file grievances with the Attorney general of the United States or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) request a restraining action against the collection agency." If the collection company continues to abuse and harrass you, then go ahead and submit your problems and charges.

This short article is certainly not all inclusive and is intended just as a quick description of the legal problem presented. Not all cases are alike and it is strongly recommended that you consult a lawyer if you have any concerns with respect to any legal matters.

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