The Federal Fair Debt Collection Practices Act, the New York City Consumer Security Law Guideline 10 and New York State Statute, General Company Law, Article 29-H, (the "State Statute") all prohibit threatening, daunting and pestering collection treatments. The State Statute forbids a collection representative from (a) threatening to interact with your company prior to that representative obtaining a judgement against you, (b) communicating with your family or home at such frequency or at such unusual hours as can reasonably be expected to be abusive or harassing, or (c) replicating any judicial or legal procedure or appearing to be licensed, released or approved by the government or an attorney to collect a debt.
If the collection agent sends you a letter demanding you pay without the reuired notice under the federal law regarding your 702-780-0429 confidentiality, your rights to dispute the debt an dgiving you the appropriate 30 days to respond, then the debt collector is automatically liable to you for any damages plus three times the quantity of your damages. Each offense of the State Statute is a different misdemeanor offense. You can submit accused of the State Chief Law Officer or your County District Attorney as well as request a restraining 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 mistreated or bugged by a collection agency. Send your composed grievance, by licensed mail, return receipt, to the owner/president and include in your letter that you "believe that agency is violating the Federal Fair Debt Collection Practices Act and other state and regional laws which you will (a) file grievances with the Attorney general of the United States or the District Attorney's office (subjecting the collection company to misdemeanor charges) and (b) request a limiting action versus the debt collection agency." If the collection company continues to abuse and harrass you, then go ahead and submit your charges and grievances.
This post is definitely not all inclusive and is meant just as a brief description of the legal issue provided. If you have any questions with respect to any legal matters, not all cases are alike and it is highly recommended that you speak with a lawyer.
