The Federal Fair Debt Collection Practices Act, the New York City Customer Security Law Guideline 10 and New York City State Statute, General Organisation Law, Post 29-H, (the "State Statute") all prohibit threatening, intimidating and bothering collection procedures. The State Statute forbids a collection representative from (a) threatening to interact with your company prior to that representative acquiring a judgement versus you, (b) communicating with your family or household at such frequency or at such unusual hours as can reasonably be anticipated to be violent or harassing, or (c) imitating any judicial or legal procedure or appearing to be licensed, provided or approved by a lawyer or the federal government to gather a debt.
If the collection agent sends you a letter demanding you ZFN and Associates pay without the reuired notification under the federal law regarding your confidentiality, your rights to contest the debt an dgiving you the proper 30 days to react, then the debt collector is immediately 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 file charges with the State Attorney General or your County District Attorney as well as demand a restraining action against the collection business to stop it from continuing abuse and harassment.
If you feel mistreated or pestered by a debt collection agency, call that agency and get the name and address of the owner/president. Send your composed grievance, by certified mail, return receipt, to the owner/president and consist of 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 complaints with the Attorney General or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) request a limiting action versus the collection agency." Go ahead and file your charges and complaints if the collection business continues to abuse and harrass you.
This short article is certainly not all inclusive and is meant only as a quick explanation of the legal issue provided. If you have any concerns with regard to any legal matters, not all cases are alike and it is highly recommended that you seek advice from an attorney.
