Debt Collectors

A creditor collecting a consumer claim, or its agent, may not:

• Gen. Bus. Law § 601

• Pose as a law enforcement officer or a government representative, or send a communication that looks like legal process or appears to come from a government or a lawyer when it does not.
• Collect or claim a fee, cost or expense that is not justly due and legally chargeable.
• Communicate the nature of the claim to the debtor's employer before a final judgment, unless the debtor consented to a wage assignment.
• Disclose credit information known to be false, or a debt known to be disputed without saying it is disputed, or threaten to.
• Contact the debtor or family so often, at such unusual hours, or in such a manner as can reasonably be expected to abuse or harass.
• Threaten action it does not in fact take in the usual course of its business, or claim a right it knows does not exist.
• Use a social media platform to collect a consumer claim from the debtor.

• Gen. Bus. Law § 601

A creditor may not remotely disable a vehicle to repossess it without first sending written notice by registered or certified mail, postmarked at least ten days before the right to disable it arises, as the original contract provides.

• Gen. Bus. Law § 601