The Federal Fair Debt Collection Practices Act, the New York City City Consumer Protection Law Guideline 10 and New York City State Statute, General Service Law, Article 29-H, (the "State Statute") all prohibit threatening, daunting and bothering collection treatments. The State Statute prohibits a collection representative 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 anticipated to be violent or harassing, or (c) mimicing any judicial or legal procedure or appearing to be authorized, released or approved by an attorney or the federal government to gather a debt.
Also, if the collector sends you a letter demanding you pay without the reuired notification under the federal law concerning your confidentiality, your rights to challenge the debt an dgiving you the suitable 30 days to react, then the debt collector is automatically liable to you for any damages plus 3 times the amount of your damages. Each offense of the State Statute is a different misdemeanor offense. You can file accused of 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.
If you feel mistreated or bothered by a collection agency, call that agency and get the name and address of the owner/president. Send your composed complaint, by qualified mail, return receipt, to the ZFN Associates 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 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 limiting action versus the debt collection agency." If the collection business continues to abuse and harrass you, then go on and submit your problems and charges.
This short article 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 consult an attorney if you have any concerns with respect to any legal matters.