The Federal Fair Debt Collection Practices Act, the New York City Consumer Defense Law Policy 10 and New York State Statute, General Organisation Law, Short Article 29-H, (the "State Statute") all prohibit threatening, harassing and frightening collection treatments. The State Statute prohibits a collection representative from (a) threatening to communicate with your company prior to that representative obtaining a judgement versus you, (b) interacting with your family or family at such frequency or at such unusual hours as can reasonably be anticipated to be abusive or harassing, or (c) imitating any legal or judicial process or appearing to be licensed, issued or authorized by the government or a lawyer to collect a debt.
If the collection representative sends you a letter demanding you pay without the reuired notification under the federal law regarding your privacy, your rights to contest the debt an dgiving you the proper 30 days to respond, then the debt collector is instantly responsible to you for any damages plus 3 times the amount of your damages. Each offense of the State Statute is a separate misdemeanor offense. You can submit charges with ZFN Associates 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 mistreated or bothered by a collection agency. Send your composed complaint, 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 Attorney general of the United States or the District Attorney's office (subjecting the collection business to misdemeanor charges) and (b) request a restraining action versus the debt collection agency." If the collection business continues to abuse and harrass you, then go ahead and submit your charges and complaints.
This article is certainly not all inclusive and is planned only as a short explanation of the legal concern presented. If you have any questions with regard to any legal matters, not all cases are alike and it is strongly suggested that you seek advice from an attorney.