Stop Debt Collector Harassment

Owing a debt does not automatically subject you to bothering, threatening and other inappropriate debt collector habits. Some collection agencies go too far with exactly what I call "renegade collectors" they will repeatedly call you at your house and/or service, threaten to send a marshall over to serve you with claim papers or send out daunting letters, appearing to come from a lawyer or law practice, stating that you will lose your automobile, salaries and other home if you do not pay your debt! It does not matter that you failed to pay a debt or that you can not manage to pay your debt at this time no one need to intimidate, threaten or harrass you or persuade you to give out individual or financial info. Improper collection procedures can frighten you into paying for costs that might not even be your responsibility.You are protected by the law from innapropriate collection treatments.

The Federal Fair Debt Collection Practices Act, the New York City Consumer Security Law Guideline 10 and New York State Statute, General Company Law, Short Article 29-H, (the "State Statute") all forbid threatening, frightening and harassing collection procedures. The State Statute restricts a collection representative from (a) threatening to interact with your company prior to that representative getting a judgement against you, (b) communicating with your family or household at such frequency or at such unusual hours as can reasonably be expected to be abusive or harassing, or (c) mimicing any judicial or legal procedure or appearing to be licensed, released or authorized by an attorney or the government to collect a debt.

If the collection agent sends you a letter demanding you pay without the reuired notice under the federal law concerning your privacy, your rights to challenge the debt an dgiving you the proper 30 days to react, then the debt collector is immediately responsible to you for any damages plus three times the amount of your damages. Each violation of the State Statute is a separate misdemeanor offense. You can file charges with the State Attorney General or your County District Attorney and also request a restraining action against the collection business to stop it from continuing abuse and harassment.

Call that agency and get the name and address of the owner/president if you 702-780-0429 feel abused or bothered by a collection agency. Send your written problem, by qualified mail, return invoice, to the owner/president and include in your letter that you "believe that agency is breaching the Federal Fair Debt Collection Practices Act and other state and regional laws and that you will (a) file complaints with the Attorney General or the District Attorney's workplace (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 problems if the collection company continues to abuse and harrass you.

This article is definitely not all inclusive and is meant only as a brief description of the legal concern presented. If you have any questions with regard to any legal matters, not all cases are alike and it is strongly advised that you speak with a lawyer.

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