The Federal Fair Debt Collection Practices Act, the New York City City Customer Protection Law Guideline 10 and New York City State Statute, General Company Law, Article 29-H, (the "State Statute") all forbid threatening, frightening and pestering collection procedures. The State Statute restricts a collection agent from (a) threatening to interact with your employer prior to that representative acquiring a judgement against you, (b) communicating with your family or family at such frequency or at such uncommon hours as can reasonably be anticipated to be violent or harassing, or (c) mimicing any judicial or legal process or appearing to be authorized, provided or approved by the federal government or an attorney to collect a debt.
Likewise, 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 zfn processing the debt an dgiving you the suitable 30 days to react, then the debt collector is automatically liable to you for any damages plus 3 times the amount of your damages. Each violation of the State Statute is a different misdemeanor offense. You can submit charges with the State Attorney General or your County District Attorney as well as request a limiting action against the collection business to stop it from continuing abuse and harassment.
Call that agency and get the name and address of the owner/president if you feel mistreated or harassed by a collection agency. Send your written complaint, 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) demand a restraining action against the debt collector." If the collection company continues to abuse and harrass you, then proceed and file your charges and problems.
This post is certainly not all inclusive and is meant just as a short description of the legal issue presented. If you have any concerns with regard to any legal matters, not all cases are alike and it is strongly advised that you consult an attorney.
