The Federal Fair Debt Collection Practices Act, the New York City Consumer Security Law Guideline 10 and New York State Statute, General Service Law, Post 29-H, (the "State Statute") all prohibit threatening, pestering and frightening collection treatments. For instance, the State Statute forbids a collection agent from (a) threatening to interact with your employer prior to that agent acquiring a judgement versus you, (b) communicating with your family or home at such frequency or at such uncommon hours as can reasonably be expected to be violent or harassing, or (c) imitating any legal or judicial process or seeming licensed, issued or approved by the federal government or a lawyer to collect a debt.
Likewise, if the collection agent sends you a letter demanding you pay without the reuired notification under the federal law concerning your privacy, your rights to challenge the debt an dgiving you the proper 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 violation of the State Statute is a separate misdemeanor offense. You can file accused of the State Chief Law Officer or your County District Attorney as well as demand a limiting action versus 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 abused or bothered by a collection agency. Send your written complaint, by certified mail, return receipt, to the owner/president and include in your letter that you "believe that agency is violating the Federal Fair Debt Collection Practices Act and other state and regional laws which you will (a) file problems with the Chief law officer or the District Attorney's workplace (subjecting the ZFN & Associates collection company to misdemeanor charges) and (b) demand a limiting action versus the debt collection agency." Go ahead and file your charges and complaints if the collection business continues to abuse and harrass you.
This post is definitely not all inclusive and is meant only as a brief 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 highly suggested that you consult a lawyer.
