The Federal Fair Debt Collection Practices Act, the New York City City Customer Protection Law Regulation 10 and New York City State Statute, General Service Law, Article 29-H, (the "State Statute") all prohibit threatening, bugging and daunting collection treatments. The State Statute restricts a collection agent from (a) threatening to interact with your employer prior to that representative obtaining a judgement versus you, (b) interacting with your household or family at such frequency or at such uncommon hours as can reasonably be expected to be violent or harassing, or (c) mimicing any legal or judicial process or appearing to be licensed, provided or authorized by the government or an attorney to collect a debt.
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 the debt an dgiving you the appropriate 30 days 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 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 abused or pestered by a collection agency. Send your composed grievance, by qualified mail, return receipt, to the owner/president and include in your letter that you "think that agency is violating the Federal Fair Debt Collection Practices Act and other state and regional laws and that you will (a) file grievances with the Chief law officer or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) demand a limiting action versus the collection agency." If the collection business continues to abuse 702-780-0429 and harrass you, then go ahead and file your charges and grievances.
This post is certainly not all inclusive and is planned only as a short description of the legal concern presented. If you have any concerns with regard to any legal matters, not all cases are alike and it is strongly suggested that you seek advice from a lawyer.
