The Federal Fair Debt Collection Practices Act, the New York City Customer Defense Law Policy 10 and New York State Statute, General Organisation Law, Post 29-H, (the "State Statute") all restrict threatening, bothering and intimidating collection procedures. For instance, the State Statute forbids a collection agent from (a) threatening to communicate with your company prior to that representative obtaining a judgement versus 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) mimicing any legal or judicial procedure or seeming authorized, released or authorized by a lawyer or the government to gather 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 contest the debt an dgiving you the appropriate 30 days to react, then the debt collector is immediately ZFN and Associates Robocalls accountable to you for any damages plus 3 times the amount of your damages. Each offense of the State Statute is a separate misdemeanor offense. You can submit charges with the State Chief Law Officer 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 abused or harassed by a collection agency. Send your composed complaint, by licensed mail, return receipt, to the 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 against the debt collection agency." Go ahead and file your charges and problems if the collection company continues to abuse and harrass you.
This post is certainly not all inclusive and is meant only as a short description of the legal problem provided. If you have any questions with regard to any legal matters, not all cases are alike and it is strongly advised that you consult a lawyer.
