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 prohibit threatening, pestering and intimidating collection treatments. For example, the State Statute prohibits a collector from (a) threatening to communicate with your company prior to that representative acquiring a judgement against you, (b) interacting with your family or family at such frequency or at such uncommon hours as can fairly be anticipated to be violent or harassing, or (c) simulating any judicial or legal process or seeming authorized, provided or approved by a lawyer or the federal government to gather a debt.
Likewise, if the collector sends you a letter demanding you pay without the reuired notice ZFN and Associates Robocalls under the federal law concerning your privacy, your rights to dispute the debt an dgiving you the proper One Month to respond, 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 separate misdemeanor offense. You can submit accused of the State Attorney General or your County District Attorney and also demand a restraining action versus the collection company to stop it from continuing abuse and harassment.
If you feel abused or pestered by a debt collection agency, call that agency and get the name and address of the owner/president. Send your written problem, by licensed mail, return invoice, to the owner/president and consist of in your letter that you "believe that agency is breaching the Federal Fair Debt Collection Practices Act and other state and local laws which you will (a) file grievances with the Attorney General or the District Attorney's office (subjecting the collection business to misdemeanor charges) and (b) request a limiting action against the debt collector." Go ahead and file your charges and problems 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 problem provided. Not all cases are alike and it is strongly advised that you speak with a lawyer if you have any questions with respect to any legal matters.
