The Federal Fair Debt Collection Practices Act, the New York City Consumer Defense Law Policy 10 and New York State Statute, General Business Law, Post 29-H, (the "State Statute") all forbid threatening, pestering and intimidating collection treatments. For instance, the State Statute forbids a collector from (a) threatening to communicate with your employer prior to that representative acquiring a judgement against you, (b) interacting with your household or household at such frequency or at such uncommon hours as can fairly be expected to be violent or harassing, or (c) imitating any legal or judicial process or seeming authorized, issued or authorized by the federal government or a lawyer to gather a debt.
If the collection representative sends you a letter demanding you pay without the reuired notification under the federal law regarding 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 3 times the quantity of your damages. Each offense of the State Statute is a separate misdemeanor offense. You can file accused of the State Chief Law Officer or your County District Attorney and also request a restraining action versus the collection company to stop it from continuing abuse and harassment.
If you feel mistreated or pestered by a collection agency, call that agency and get the name and address of the owner/president. Send your composed complaint, by qualified mail, return receipt, to the owner/president and include 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 grievances with zfn processing the Attorney General or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) demand a restraining action against the debt collector." Go ahead and file your charges and grievances if the collection business continues to abuse and harrass you.
This post is certainly not all inclusive and is planned only as a quick explanation of the legal concern provided. 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 an attorney.