The Federal Fair Debt Collection Practices Act, the New York City City Consumer Protection Law Guideline 10 and New York State Statute, General Company Law, Article 29-H, (the "State Statute") all forbid threatening, intimidating and bugging collection treatments. For instance, the State Statute prohibits a collector from (a) threatening to communicate with your employer prior to that representative acquiring a judgement against you, (b) interacting with your family or household 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 procedure or seeming authorized, released or authorized by an attorney or the government to gather a debt.
Also, if the collector sends you a letter demanding you pay without the reuired notice under the federal law concerning your confidentiality, your rights to challenge the debt an dgiving you the appropriate 1 Month to respond, then the debt collector is automatically liable to you for any damages plus 3 times the amount of your damages. Each violation of the State Statute is a different misdemeanor offense. You can file accused of the State Attorney General Of The United States or your County District Attorney as well as request a limiting action against 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 mistreated or harassed by a collection agency. Send your composed problem, by licensed mail, return invoice, to the owner/president and include in your letter that you "think that agency is breaking the Federal Fair Debt Collection Practices Act and other state and local laws which you will (a) file complaints with the Chief law officer or the District Attorney's office (subjecting the collection business to misdemeanor charges) and (b) request a restraining action versus the debt collection agency." Go ahead and submit your charges and grievances if the collection business continues to abuse and harrass you.
This article is definitely not all inclusive and is intended only as a quick explanation of the legal concern presented. Not all cases are alike and it is highly recommended that you speak with a lawyer if you have any ZFN and Associates Robocalls questions with respect to any legal matters.
