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 restrict threatening, daunting and bothering collection procedures. For example, the State Statute restricts a collection agent from (a) threatening to interact with your employer prior to that agent getting a judgement against you, (b) communicating with your household or home at such frequency or at such unusual hours as can fairly be expected to be abusive or harassing, or (c) replicating any legal or judicial process or seeming authorized, provided or authorized by the government or a lawyer to collect a debt.
Likewise, if the collector sends you a letter demanding you pay without the reuired notification under the federal law regarding your confidentiality, your rights to contest the debt an dgiving you the appropriate 1 Month to respond, then the debt collector is instantly 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 file accused of 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 bothered by a collection agency. Send your composed problem, by licensed mail, return invoice, 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 ZFN Associates state and regional laws which you will (a) file complaints with the Attorney general of the United States or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) demand a limiting action against the collection agency." If the collection business continues to abuse and harrass you, then proceed and file your charges and complaints.
This article is certainly not all inclusive and is planned just as a brief description of the legal concern presented. If you have any questions with regard to any legal matters, not all cases are alike and it is highly recommended that you speak with a lawyer.