The Federal Fair Debt Collection Practices Act, the New York City Customer Security Law Regulation 10 and New York City State Statute, General Organisation Law, Short Article 29-H, (the "State Statute") all restrict threatening, bugging and daunting collection treatments. For instance, the State Statute prohibits a collector from (a) threatening to interact 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 expected to be violent or harassing, or (c) mimicing any legal or judicial procedure or appearing to be licensed, provided or approved by an attorney or the federal government to collect a debt.
Also, if the collection agent sends you a letter requiring you pay without the reuired notice under the federal law concerning your confidentiality, your rights to challenge the debt an dgiving you the appropriate 1 Month 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 separate misdemeanor offense. You can submit charges with the State Chief Law Officer or your County ZFN ASSOCIATES 702-780-0429 District Attorney and also demand a restraining action versus the collection company to stop it from continuing abuse and harassment.
If you feel mistreated or harassed by a debt collector, call that agency and get the name and address of the owner/president. Send your written grievance, by certified 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 complaints with the Chief law officer or the District Attorney's office (subjecting the collection business to misdemeanor charges) and (b) request 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 post is certainly not all inclusive and is meant just as a short description of the legal issue presented. Not all cases are alike and it is highly recommended that you speak with a lawyer if you have any questions with respect to any legal matters.