I Debt To You In Suffolk
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Conclusion: Going to small claims court may be worth it for $500, but it will determine how you weigh your costs versus benefits. At a minimum, it is worth it to send a demand letter.
Here's a step-by-step guide that outlines the actions a business should take before moving forward with a collection agency. Contact the Debtor. Send a Demand Letter. Consider Negotiation. Hire a Collection Agency. Provide Documentation. Monitor Progress. Consider Legal Action.
On Long Island, there are also dozens of town and village courts that handle small claims; use the New York court's website to locate a specific town or village court. Remember, the small claims limits in town and village courts is $3,000. While in district and city courts the small claims limit is $5,000.
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A debt collector must send you an initial letter within five days of contacting you to tell you the amount of the debt you owe, the name of the creditor to whom you owe the debt, your rights to dispute the debt and how to request verification of the debt.
Within five days after a debt collector first contacts you, it must send you a written notice, called a "validation notice," that tells you (1) the amount it thinks you owe, (2) the name of the creditor, and (3) how to dispute the debt in writing.
The only thing you should ever say to debt collectors is ``what is your address''. Get it and then hang up. Write them a letter saying that any form of contact other than mail is inconvenient for you. Also state that you have no knowledge of the debt, and ask them to verify it with the original creditor.
Right to know the debt collector or debt collection agency They also must give you the name of their company or agency. Legitimate collectors should be able to give you a business address and contact information, too.
Specifically, the rule states that a debt collector cannot: Make more than seven calls within a seven-day period to a consumer regarding a specific debt. Call a consumer within seven days after having a telephone conversation about that debt.
You can either answer the summons in writing or in person. If you answer in person, you must go to the courthouse clerk's office and tell the clerk about your defenses to the plaintiff's claims. The clerk will check off the boxes in a Consumer Credit Transaction Answer In Person form.
