The Federal Fair Debt Collection Practices Act, the New York City Customer Security Law Regulation 10 and New York State Statute, General Organisation Law, Short Article 29-H, (the "State Statute") all prohibit threatening, intimidating and bugging collection procedures. The State Statute prohibits a collection representative from (a) threatening to communicate with your company prior to that representative obtaining a judgement versus you, (b) communicating with your family or family 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 appearing to be licensed, issued or authorized by a lawyer or the government to gather a debt.
Also, if the collector sends you a letter demanding you pay without the reuired notification under the federal law concerning your confidentiality, your rights to contest the debt an dgiving you the appropriate 1 Month to respond, then the debt collector is automatically 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 submit accused of the State Chief Law Officer or your County District Attorney as well as request a limiting action against the collection company to stop it from continuing abuse and harassment.
If you feel abused or pestered by a debt collector, call that agency and get the name and address of the owner/president. Send your written complaint, by qualified mail, return invoice, 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 regional laws and that you will (a) file complaints with the Chief law zfn processing officer or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) request a limiting action versus the collection agency." If the collection company continues to abuse and harrass you, then proceed and file your charges and complaints.
This article is definitely not all inclusive and is meant only as a quick explanation of the legal issue provided. If you have any concerns with respect to any legal matters, not all cases are alike and it is highly suggested that you consult a lawyer.