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, pestering and daunting collection procedures. The State Statute forbids a collection agent from (a) threatening to interact with your company prior to that agent getting a judgement against you, (b) interacting with your household or household at such frequency or at such uncommon hours as can reasonably be anticipated to be abusive or harassing, or (c) simulating any judicial or legal process or appearing to be licensed, provided or authorized by the federal government or an attorney to ZFN and Associates gather a debt.
Also, if the collector 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 appropriate One Month to respond, then the debt collector is instantly liable to you for any damages plus three times the quantity of your damages. Each infraction of the State Statute is a different misdemeanor offense. You can file accused of the State Attorney General Of The United States 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 complaint, by licensed 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 complaints with the Attorney general of the United States or the District Attorney's office (subjecting the collection company to misdemeanor charges) and (b) demand a restraining action versus the collection agency." If the collection business 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 brief 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 an attorney.