The Federal Fair Debt Collection Practices Act, the New York City Customer Security Law Regulation 10 and New York City State Statute, General Service Law, Short Article 29-H, (the "State Statute") all forbid threatening, bothering and intimidating collection procedures. The State Statute forbids a collection representative from (a) threatening to communicate with your company prior to that representative acquiring a judgement against you, (b) communicating with your household zfn processing or home at such frequency or at such unusual hours as can fairly be expected to be violent or harassing, or (c) mimicing any legal or judicial procedure or appearing to be authorized, released or approved by an attorney or the federal government to collect a debt.
If the collection representative sends you a letter demanding you pay without the reuired notification under the federal law regarding your privacy, your rights to dispute the debt an dgiving you the proper 30 days to react, then the debt collector is automatically accountable to you for any damages plus three times the quantity 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 business to stop it from continuing abuse and harassment.
Call that agency and get the name and address of the owner/president if you feel abused or pestered by a collection agency. Send your composed grievance, by certified mail, return receipt, to the owner/president and consist of in your letter that you "think that agency is breaking the Federal Fair Debt Collection Practices Act and other state and regional laws and that you will (a) file problems with the Attorney General or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) demand a limiting action against the debt collector." If the collection company continues to abuse and harrass you, then proceed and file your complaints and charges.
This post is certainly not all inclusive and is meant just as a short description of the legal issue provided. Not all cases are alike and it is strongly suggested that you seek advice from an attorney if you have any concerns with respect to any legal matters.
