The Federal Fair Debt Collection Practices Act, the New York City Customer Defense Law Policy 10 and New York State Statute, General Organisation Law, Short Article 29-H, (the "State Statute") all prohibit threatening, bugging and frightening collection treatments. For instance, the State Statute prohibits a collection agent from (a) threatening to interact with your company prior to that agent getting a judgement versus you, (b) communicating with your household or home at such frequency or at such unusual hours as can fairly be expected to be violent or harassing, or (c) mimicing any legal or judicial procedure or appearing to be authorized, released or approved by the federal government or a lawyer to collect 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 proper One Month to respond, then the debt collector is immediately liable to you for any damages plus three times the quantity of your damages. Each infraction 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 demand 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 qualified mail, return receipt, to the owner/president and consist of in your letter that you "think that agency is breaking the Federal Fair Debt Collection Practices Act and other state and regional laws and that you will (a) file grievances with the Attorney General or the District Attorney's office (subjecting the collection business to misdemeanor charges) and (b) request a limiting action against the debt collection agency." If the collection business continues to abuse and harrass you, then go ahead and submit your charges and complaints.
This post is certainly not all inclusive and is planned only as a short description of the legal issue 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 ZFN & Associates from an attorney.