The Federal Fair Debt Collection Practices Act, the New York City City Consumer Security Law Regulation 10 and New York State Statute, General Business Law, Post 29-H, (the "State Statute") all forbid threatening, pestering and daunting collection procedures. The State Statute forbids a collection representative from (a) threatening to interact with your employer prior to that agent getting a judgement versus you, (b) communicating with your family or family at such frequency or at such uncommon hours as can reasonably be expected to be violent or harassing, or (c) replicating any legal or judicial process or appearing to be licensed, provided or approved by the federal government or a lawyer to gather a debt.
Also, if the collection agent sends you a letter requiring you pay without the reuired notice under the federal law regarding your privacy, 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 violation of the State Statute is a different misdemeanor offense. You can file charges with the State Chief Law Officer or your County District Attorney and also request a limiting action against the collection business to stop it from continuing abuse and harassment.
If ZFN ASSOCIATES 702-780-0429 you feel abused or harassed by a debt collector, call that agency and get the name and address of the owner/president. Send your composed complaint, by qualified mail, return invoice, to the owner/president and include in your letter that you "think that agency is breaking 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 limiting action against the collection agency." Go ahead and submit your charges and complaints if the collection business continues to abuse and harrass you.
This article is definitely not all inclusive and is intended just as a brief description of the legal issue provided. Not all cases are alike and it is strongly advised that you speak with a lawyer if you have any questions with respect to any legal matters.
