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house - a high stand of informationWhen you’re seeking information about house the results can seem extremely overwhelming. But relax, because we’ve sifted through all the house web sites we could find and have discovered the finest ones that will produce the results you want, and how you want them. We know how crucial good results are when you’re searching for house. Some Internet sites are superior than others and will meet your house requirements in a better fashion. If you’re looking for a high standard house site you know you can count on, we suggest the above web site. We have taken the tiresome task out of your house shopping and reduced our list of house web sites down to only finest around. Being assured you’re receiving value for money is crucial in buying house, so by visiting our web site you can expect the assurance that you are getting the house you paid for. By purchasing through our suggested links you can also rest assured your house will be of a high standard. How do we know? Because when we’re shopping for house ourselves it’s where we go. You might be pondering why we’re suggesting you visit outside links rather than stay on our own house site. Well it’s because we’ve only recently created our site so it's early days. Our goal is to be the best site for house info on the net, and real soon we’ll achieve it. So please bookmark us and come back soon. Stop Collection Agency Harassment by: Susan Chana Lask, Esq.
Owing a debt does not automatically subject you to harrassing, threatening and other inappropriate collection agency behavior. Some collection agencies go too far with what I call "renegade collectors" they will repeatedly call you at your home and/or business, threaten to send a marshall over to serve you with lawsuit papers or send intimidating letters, appearing to come from an attorney or law firm, stating that you will lose your car, wages and other property if you do not pay your debt! It does not matter that you failed to pay a debt or that you can not afford to pay your debt at this time no one should intimidate, threaten or harrass you or coerce you to give out personal or financial information. Inappropriate collection procedures can intimidate you into paying for costs that may not even be your responsibility.You are protected by the law from innapropriate collection procedures. The Federal Fair Debt Collection Practices Act, the New York City Consumer Protection Law Regulation 10 and New York State Statute, General Business Law, Article 29-H, (the "State Statute") all prohibit threatening, harrassing and intimidating collection procedures. For instance, the State Statute prohibits a collection agent from (a) threatening to communicate with your employer prior to that agent obtaining a judgement against you, (b) communicating with your family or household at such frequency or at such unusual hours as can reasonably be expected to be abusive or harrassing, or (c) simulating any legal or judicial process or appearing to be authorized, issued or approved by the government or an attorney to collect a debt. Also, if the collection agent sends you a letter demanding you pay without the reuired notice under the federal law regarding your confidentiality, your rights to dispute the debt an dgiving you the appropriate 30 days to respond, then the debt collector is automatically liable to you for any damages plus three times the amount of your damages. Each violation of the State Statute is a seperate misdemeanor offense. You can file charges with the State Attorney General or your County District Attorney and also request a restraining action against the collection company to stop it from continuing abuse and harrassment. If you feel abused or harrassed by a collection agency, call that agency and get the name and address of the owner/president. 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 local laws and that you will (a) file complaints with the Attorney General or the District Attorney's office (subjecting the collection company to misdemeanor charges) and (b) request a restraining action against the collection agency." If the collection company continues to abuse and harrass you, then go ahead and file your charges and complaints . This article is certainly not all inclusive and is intended only as a brief explanation of the legal issue presented. Not all cases are alike and it is strongly recommended that you consult an attorney if you have any questions with respect to any legal matters. Any questions and/or comments with respect to this topic or any other topic, contact: http://www.appellate-brief.com Law Offices of Susan Chana Lask
Susan Chana Lask, Esq. c 2004
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