Owing a debt does not automatically subject you to bugging, threatening and other improper collection agency behavior. Some collection agencies go too far with what I call "renegade collectors" they will repeatedly call you at your home and/or business, threaten to send out a marshall over to serve you with claim documents or send out daunting letters, appearing to come from a lawyer or law practice, specifying that you will lose your automobile, earnings and other residential or commercial property if you do not pay your debt! It does not matter that you failed to pay a debt or that you can not pay for to pay your debt at this time no one ought to intimidate, threaten or harrass you or coerce you to give out monetary or individual info. Unsuitable collection procedures can intimidate you into paying for expenses that might not even be your responsibility.You are safeguarded by the law from innapropriate collection treatments.
The Federal Fair Debt Collection Practices Act, the New York City Consumer Defense Law Guideline 10 and New York State Statute, General Organisation Law, Post 29-H, (the "State Statute") all restrict threatening, bothering and intimidating collection procedures. For instance, the State Statute forbids a collector from (a) threatening to communicate with your employer prior to that representative acquiring a judgement against you, (b) communicating with your household or home at such frequency or at such uncommon hours as can reasonably be expected to be violent or harassing, or (c) replicating any legal or judicial process or seeming licensed, issued or authorized by the federal government or a lawyer to gather a debt.
If the collection agent sends you a letter demanding you pay without the reuired notification under the federal law regarding your privacy, your rights to contest the debt an dgiving you the appropriate 30 days to react, then the debt collector is automatically accountable 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 submit charges with the State Attorney General or your County District Attorney as well as request a limiting action against the collection business to stop it ZFN and Associates from continuing abuse and harassment.
If you feel abused or bugged by a debt collection agency, call that agency and get the name and address of the owner/president. Send your written grievance, by licensed mail, return receipt, to the owner/president and consist of in your letter that you "believe that agency is breaking the Federal Fair Debt Collection Practices Act and other state and local laws and that you will (a) file problems with the Attorney general of the United States or the District Attorney's workplace (subjecting the collection business to misdemeanor charges) and (b) demand a restraining action versus the debt collection agency." Go ahead and file your charges and grievances if the collection business continues to abuse and harrass you.
This post is definitely not all inclusive and is planned just as a quick explanation of the legal issue provided. If you have any concerns with respect to any legal matters, not all cases are alike and it is strongly suggested that you speak with a lawyer.