When a Creditor is Collecting a Debt
Creditors may contact you directly about a debt you owe them. For example, your credit card company may call you to remind you that you have not been making the minimum payments necessary to keep your account from defaulting. Generally, federal consumer protection laws regarding fair debt collection do not apply in these situations, but the creditors are still required to comply with New York State law governing debt collection.
The New York State Debt Collection Procedures Law prohibits creditors (and their agents) from: