Debt settlement company in New York PDF Print E-mail

Debt settlement company in New York, Debt Consolidation program in New York

Debt Settlement firm in New York, Debt Consolidation help in New York, New York debt consolidation plan, New York debt settlement plan

Deciding for the right Debt settlement company or Debt consolidation program is a great way to eliminate from 40-65% of your debt and become completely debt free in 18-36 months. We at DebtorSolution can design a personalized debt settlement program or debt consolidation plan that can lower your monthly payments by almost 50% and help you avoid bankruptcy.

Our professional negotiators are experts in the laws governing both debt settlement and debt collection practices. Nevertheless, if you are considering a debt settlement program, it is important to learn as much as possible about state and federal regulations. Here is some basic information regarding debt collection for the state of New York.

(This information is intended for educational purposes. It was verified at the time of publication but may have changed since. This information is not intended as legal advice. If you need legal assistance, please contact a local professional.)

Debt Collection:

The Fair Debt Collection Practices Act (FDCPA) regulations debt collection practices through the United States and its territories. Its purpose is to prevent abusive collection techniques for consumer debt. For more information, please visit this link: debt collection.

If you feel that your rights as a consumer have been violated, there are several ways to place your complaint:

1. Federal Trade Commission

Contact them via telephone using the toll-free number: 1-877-FTC-HELP

Submit your complaint electronically at : https://rn.ftc.gov/pls/dod/wsolcq$.startup

Mail your complaint to :

Federal Trade Commission
Consumer Response Center

600 Pennsylvania Avenue, NW
Washington, DC 20580

2. State Attorney General

Office of Attorney General

Albany (map)
The Capitol
Albany, NY 12224-0341
(518) 474-7330

New York City (map)
120 Broadway
New York City, NY 10271
(212) 416-8000

Regional Offices

Binghamton (map)
44 Hawley Street, 17th Floor
Binghamton, NY 13901-4433
(607) 721-8771

Brooklyn (map)
55 Hansen Place Suite 1080
Brooklyn, NY 11217-1523

(718) 722-3949

Buffalo (map)
Statler Towers
107 Delaware Avenue
Buffalo, New York 14202-3473
(716) 853-8400

Hauppauge (map)
Suffolk Regional Office
300 Motor Parkway - Suite 205
Hauppauge, NY 11788-5127
(631) 231-2400

Harlem (map)
163 West 125th Street
New York, NY 10027-8201

(212) 961-4475

Mineola (map)
200 Old Country Road
Mineola, NY 11501-4241

(516) 248-3302

Plattsburgh (map)
43 Durkee Street, Suite 700
Plattsburgh, NY 12901-2958

(518) 562-3282

Poughkeepsie (map)
235 Main Street, 3rd Floor
Poughkeepsie, NY 12601-3194
(845) 485-3900

Rochester (map)
144 Exchange Boulevard
Rochester, NY 14614-2176

(585) 546-7430

Syracuse (map)
615 Erie Blvd. W., Suite 102
Syracuse, NY 13204-2465

(315) 448-4800

Utica (map)
207 Genesee St., Room 504
Utica, NY 13501-2812
(315) 793-2225

Watertown (map)
317 Washington Street
Watertown, NY 13601-3744

(315) 785-2444

White Plains (map)
101 East Post Road
White Plains, NY 10601-5008

(914) 422-8755

  • Consumer Helpline: 1-800-771-7755
  • Crime Victims Hotline: 1-800-771-7755
  • Medicaid Fraud Control Unit: 212-417-5397
  • Environmental Crimes:1-800-771-7755
  • For the Hearing Impaired: 1-800-788-9898

www.oag.state.ny.us

More helpful information on debt Settlement program in New York, New York debt consolidation company

Recording Telephone Calls:

Recording telephone calls is highly effective in proving abusive tactics. Federal regulations stipulate that in order for a conversation to be taped only one party must give consent. New York state regulations also require only one party to consent to the recording.

Statute of Limitations:

The Statute of Limitations for a delinquent debt refers to the amount of time a creditor has to file a lawsuit to collect on the debt. The Statute of Limitations (SOL) is a consecutive period of time during which the account remains delinquent. Thus if a delinquent account is brought back up to date, the SOL time limit will start from zero if the account goes delinquent a second time. Please remember that the Statute of Limitations does not begin from the date of the last payment, but instead from the moment that payment was missed. The Statute of Limitation for delinquent debts in New York is as follows:

Written Contracts: 6 years
Oral Contracts: 6 years
Promissory Notes: 6 years
Open Accounts: 6 years

New York Wage Garnishment:

10% of gross income or federal regulations, whichever is less

Debt settlement company in New York, Debt Consolidation program in New York

Debt Settlement firm in New York, Debt Consolidation help in New York, New York debt consolidation plan, New York debt settlement plan

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