The Federal Fair Debt Collection Practices Act, the New York City City Consumer Protection Law Guideline 10 and New York City State Statute, General Company Law, Article 29-H, (the "State Statute") all forbid threatening, intimidating and bothering collection procedures. The State Statute restricts a collection agent from (a) threatening to interact with your employer prior to that representative acquiring a judgement against you, (b) interacting with your family or household at such frequency or at such uncommon hours as can reasonably be anticipated to be violent or harassing, or (c) mimicing any judicial or legal process or ZFN Associates appearing to be authorized, released or approved by the federal government or an attorney to collect a debt.
Likewise, if the collection agent sends you a letter requiring you pay without the reuired notice under the federal law concerning your confidentiality, your rights to challenge the debt an dgiving you the suitable 30 days to react, then the debt collector is immediately liable to you for any damages plus 3 times the amount of your damages. Each infraction of the State Statute is a different misdemeanor offense. You can file charges with the State Chief Law Officer or your County District Attorney and also demand a restraining 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 abused or harassed by a collection agency. Send your composed complaint, by licensed mail, return invoice, to the owner/president and include 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 problems with the Attorney General or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) demand a limiting action against the debt collector." Go ahead and file your charges and problems if the collection company continues to abuse and harrass you.
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 respect to any legal matters, not all cases are alike and it is strongly advised that you consult an attorney.
