Index
New York General Business Law Article 29-H (Debt Collection Procedures)
Summary
Establishes procedures for certain debt collection activities, aiming to prevent harassment and abuse by debt collectors.
Rights & Rules
- 01.You have the right not to be harassed, oppressed, or abused by debt collectors.
- 02.You have the right to dispute the validity of a debt.
- 03.You have the right to receive written notification of certain debt details, including the amount owed and the original creditor.
- 04.You have the right to prohibit communication from debt collectors at inconvenient times or places.
Penalties
- 01.Actual damages sustained as a result of the violation.
- 02.Additional damages up to $1,000 in individual actions.
- 03.Recovery of attorney's fees and costs.
- 04.Class action remedies are also available.
Verified Citations
New York General Business Law Article 29-H, § 600-606
Source"The legislature hereby finds and declares that there is a need to establish consistent and effective procedures for the collection of consumer debts."