Some collection companies go too far with exactly what I call "renegade collectors" they will repeatedly call you at your house and/or organisation, threaten to send a marshall over to serve you with claim documents or send daunting letters, appearing to come from an attorney or law firm, stating that you will lose your automobile, wages and other home if you do not pay your debt! Improper collection treatments can frighten you into paying for costs that may not even be your responsibility.You are protected by the law from innapropriate collection procedures.
The Federal Fair Debt Collection Practices Act, the New York City Consumer Security Law Guideline 10 and New York State Statute, General Service Law, Post 29-H, (the "State Statute") all forbid threatening, frightening and bugging collection treatments. For example, the State Statute forbids a collection agent from (a) threatening to interact with your employer prior to that representative getting a judgement versus you, (b) interacting 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) mimicing any judicial or legal process or seeming licensed, issued or authorized by the government or a lawyer to gather a debt.
If the collection representative sends you a letter demanding you pay without the reuired notice under the federal law concerning your confidentiality, your rights to dispute the debt an dgiving you the proper 30 days to respond, then the debt collector is automatically ZFN and Associates accountable to you for any damages plus three times the quantity 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 restraining action versus 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 bothered by a collection agency. Send your written grievance, by certified 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 regional laws which you will (a) file grievances with the Attorney General or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) demand a restraining action versus the debt collection agency." Go ahead and submit your charges and complaints if the collection business continues to abuse and harrass you.
This article is definitely not all inclusive and is intended just as a brief description of the legal issue provided. Not all cases are alike and it is strongly suggested that you consult an attorney if you have any concerns with respect to any legal matters.