Posts tagged with "Collection Agency"

Rules Debt Collectors MUST Follow!

By: Undisputed Legal/Court Service Department

False Claims and Harassment Are Illegal

A debt collection agency may not make false statements, including

  • Claim that it represents a government agency, such as a marshal, sheriff, or District Attorney Office
  • Threaten, that you will be arrested
  • Threaten that it will report you to immigration authorities
  • Claim that you have committed a crime
  • Threaten that it will have you evicted take or garnish your wages, take the money from your bank account, or take your personal belonging without first obtaining a judgement against you in court.

Credit Repair Tips!

By: Undisputed Legal/Court Service Department

Disputing the Debt With A Collection Agency

Write the debt collection agency within 30 days of receiving validation— phone calls are not enough—to confirm that its information on the debt is wrong. For example, alert the collector that the amount owed is wrong because it doesn’t include payments you’ve made. Include with your letter copies of any proof that the collector’s information is wrong. 

You can also stop the collector from contacting you during the time you dispute the debt by writing a cease collection letter. Simply write: 

What Should I Do When A Debt Collection Agency Contact You?

By Undisputed Legal/Court Service Department

When a debt collector contacts you the first time, it is usually in the form of a dunning letter (collection letter) or a phone call. Never ignore a debt collector, even if you do not recognize the debt. DCA offers a checklist to help you protect your rights: 

Check that the debt collection agency is licensed. Debt collection agencies must include their DCA license number in all letters sent to you. To verify if a debt collection agency is licensed, call 311 (212-NEW-YORK outside NYC) or search DCA’s Instant License Check, available online at nyc.gov/dca