New York Debt Collection Attorneys

Helping those In New York with debt collection concerns

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New York Debt Collection Attorneys

The Kron Law Firm is a New York debt collection law firm that has provided exceptional legal representation and services to individuals and businesses in need. We are committed to providing personalized, effective, and ethical legal representation.

Our team of attorneys has decades of experience handling a variety of legal matters, including debt collection cases. We handle each case with careful attention to detail and with the goal of achieving the best possible outcome for our clients. Our firm’s philosophy emphasizes communication, empathy, and professionalism – all qualities that help us provide quality legal service and results.

It is far from uncommon for a business to have to deal with debt collection issues, especially when companies are seeking payment on services rendered. The problem with debt collection efforts is that numerous laws are in place to protect the people owing money.

When a person is being sued by a debt collector or is otherwise dealing with constant harassment, they may have grounds for filing federal lawsuits in some cases. The Kron Law Firm can assist clients who are seeking payments on debts as well as people who are being asked to pay in these cases.

Debt Collection Rules and Laws

Debt collection practices and consumer protections are heavily regulated, with the Fair Debt Collection Practices Act governing claims at the federal level. New York also has its own New York State Debt Collection Procedures Law for which new regulations went into effect in 2015.

Both the federal and the state laws prohibit certain debt collection practices, including:

  • Calling debtors at odd hours (usually before 8 a.m. or after 5 p.m.), at their workplace, or repeatedly calling with the intent to harass or annoy
  • Threatening legal action when no action is intended
  • Threatening arrest
  • Communicating a consumer’s debt to employers or family members
  • Misrepresenting a person’s identity, such as impersonating a law enforcement officer, government representative, judicial body, or attorney

New York does not allow parties to collect fees in addition to debts owed. Debt collectors must follow certain practices, including notifying consumers that parties are debt collectors and communications are attempts to collect debts, providing the name and address of the creditor on request, sending the consumer a notice of their right to dispute a debt, providing verification of the debt on written request, and selecting the venue where the consumer lives or signed an agreement if initiating a lawsuit.

Multiple other laws can play in these cases, such as fraudulent transfers allowing bankruptcy courts to recover assets transferred to third parties to avoid paying creditors. The Uniform Commercial Code (UCC) can also apply to secured transactions in which a debtor’s property or assets secure the amount owed.

Debtors have the right to written verification of an alleged debt upon request and to proper notice of any legal actions filed against them. They also have the right to receive an accurate credit report.

Debtors can retain legal counsel and require collection agencies to cease contacting them and address matters to their attorney. Consumers can challenge their debts and could have numerous defenses to collection actions.

Debtors may dispute a debt if they believe the debt is not owed, has been paid, or the amount is incorrect. An older debt could no longer be enforceable when the statute of limitations has expired.

If debt collectors engage in prohibited conduct, an attorney can bring legal action against the collector to possibly recover damages. Consumers can also file complaints with the Federal Trade Commission (FTC), and the agency may sue collection agencies for violations.

It is important to note that the Fair Debt Collection Practices Act does not cover commercial debt collection, so it instead has to be negotiated by the parties, through counsel or resolved in business bankruptcy proceedings. Some creditors may send debts to commercial debt collection agencies to recover payments.

Call Us Today to Schedule a Free Consultation with a New York Debt Collection Attorney

If you are overwhelmed with debt collection concerns, and they are affecting your company, make sure to get legal help as soon as you can. The Kron Law Firm is intimately familiar with the push and pull of debt collection efforts and knows how to help people get the most favorable outcomes in these cases.

Our Firm understands how frustrating it can be to communicate with debt collectors, and we can step in and immediately end your constant phone calls. You can call (212) 422-5349 or contact us online to take advantage of a free consultation with our New York debt collection attorney.

Why Choose Us?

Proven Results

Proven Results

Free Consultation

Free Consultation

15+ Years of Experience

15+ Years of Experience

Trusted Reputation

Trusted Reputation

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Available 24/7

10.0 & 5 Star Rating On Avvo

10.0 & 5 Star Rating On Avvo

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