Stop Debt Collector Harassment

Owing a debt does not automatically subject you to bugging, threatening and other improper debt collector habits. Some debt collector go too far with exactly what I call "renegade collectors" they will repeatedly call you at your home and/or company, threaten to send a marshall over to serve you with claim documents or send out daunting letters, appearing to come from an attorney or law practice, 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 pay for to pay your debt at this time no one should intimidate, threaten or harrass you or persuade you to offer financial or personal information. Improper collection treatments can daunt you into paying for costs that might 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 Protection Law Regulation 10 and New York City State Statute, General Company Law, Article 29-H, (the "State Statute") all forbid threatening, pestering and intimidating collection procedures. For instance, the State Statute forbids a collection agent from (a) threatening to communicate with your company prior to that agent obtaining a judgement versus you, (b) communicating with your household or home at such frequency or at such unusual hours as can fairly be expected to be abusive or harassing, or (c) simulating any judicial or legal procedure or appearing 702-780-0429 to be licensed, provided or authorized by the federal government or an attorney to collect 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 contest the debt an dgiving you the appropriate 30 days to react, then the debt collector is automatically responsible to you for any damages plus three times the quantity of your damages. Each violation 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 demand a restraining action versus the collection company to stop it from continuing abuse and harassment.

If you feel mistreated or harassed by a debt collector, call that agency and get the name and address of the owner/president. Send your written grievance, by certified 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 company to misdemeanor charges) and (b) demand a limiting action against the debt collector." Go ahead and file your charges and complaints if the collection company continues to abuse and harrass you.

This article is certainly not all inclusive and is planned only as a short explanation of the legal problem provided. Not all cases are alike and it is strongly advised that you consult an attorney if you have any concerns with respect to any legal matters.