The Federal Fair Debt Collection Practices Act, the New York City Customer Protection Law Guideline 10 and New York State Statute, General Organisation Law, Article 29-H, (the "State Statute") all forbid threatening, intimidating and bugging collection procedures. The State Statute prohibits a collection agent from (a) threatening to interact with your company prior to that agent acquiring a judgement versus you, (b) communicating with your family or family at such frequency or at such unusual hours as can reasonably be anticipated to be violent or harassing, or (c) mimicing any judicial or legal procedure or appearing to be authorized, provided or authorized by the federal government or an attorney to gather a debt.
If the collection agent sends you a letter demanding you pay without the reuired notice under the federal law concerning your privacy, your rights to challenge the debt an dgiving you the appropriate 30 days to respond, then the debt collector is immediately responsible to you for any damages plus 3 times the quantity of your damages. Each violation of the State Statute is a separate misdemeanor offense. You can file charges with 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 abused or harassed by a collection agency. Send your written grievance, by licensed mail, return invoice, to the owner/president and include in your letter that you "believe that agency is breaking the Federal Fair Debt Collection Practices Act and other state and local laws and that you will (a) file grievances with ZFN ASSOCIATES 702-780-0429 the Attorney general of the United States or the District Attorney's workplace (subjecting the collection business to misdemeanor charges) and (b) demand a limiting action versus the debt collector." Go ahead and submit your charges and problems if the collection business continues to abuse and harrass you.
This post is definitely not all inclusive and is planned just as a quick description of the legal concern provided. Not all cases are alike and it is highly advised that you seek advice from a lawyer if you have any concerns with respect to any legal matters.
