Owing a debt does not automatically subject you to harassing, threatening and other inappropriate debt collection agency behavior. Some debt collection agency go too far with what I call "renegade collectors" they will consistently call you at your house and/or service, threaten to send a marshall over to serve you with lawsuit papers or send out frightening letters, appearing to come from a lawyer or law practice, specifying that you will lose your vehicle, wages and other property if you do not pay your debt! It does not matter that you cannot pay a debt or that you can not manage to pay your debt at this time nobody ought to intimidate, threaten or harrass you or coerce you to offer individual or financial details. Unsuitable collection procedures can intimidate you into spending for expenses that may not even be your responsibility.You are protected by the law from innapropriate collection treatments.
The Federal Fair Debt Collection Practices Act, the New York City City Consumer Protection Law Guideline 10 and New York City State Statute, General Company Law, Post 29-H, (the "State Statute") all forbid threatening, frightening and pestering collection procedures. For example, the State Statute forbids a collection agent from (a) threatening to interact with your company prior to that agent getting a judgement versus you, (b) communicating with your household or home at such frequency or at such unusual hours as can fairly be anticipated to be abusive or harassing, or (c) imitating any judicial or legal process or seeming authorized, issued or authorized by the government or an attorney to gather a debt.
Also, if the collector sends you a letter demanding you pay ZFN Associates without the reuired notification under the federal law regarding your confidentiality, your rights to contest the debt an dgiving you the appropriate 1 Month to respond, 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 separate misdemeanor offense. You can submit charges with the State Chief Law Officer or your County District Attorney and also demand a restraining action versus 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 bugged by a collection agency. Send your written problem, by certified mail, return invoice, to the owner/president and include in your letter that you "think 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 Attorney General or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) demand a limiting action against the debt collector." Go ahead and file your charges and problems if the collection company continues to abuse and harrass you.
This short article is definitely not all inclusive and is planned just as a brief 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.