Is it illegal to collect a debt for which I am not responsible?

It is generally illegal to collect a debt for which you are not responsible in New York. Collection Defense Law states that in order to legally collect a debt in New York, a collector must have proof that the debt is valid. This means that the collector must be able to demonstrate that the debtor is responsible for the debt, and that the debt is still outstanding. It is also illegal for a collector to threaten or harass a debtor when attempting to collect on a debt. When a debt collector attempts to collect a debt for which you are not responsible, you can file a complaint with the New York State Attorney General’s Office. The Attorney General will investigate the claim, and may file a lawsuit against the collector if they are found to be in violation of Collection Defense Law. It is important for consumers to be aware that collection agencies often make mistakes when attempting to collect on a debt, so it is important to review any contact you have with a collection agency and to take appropriate steps if you feel that you are not responsible for the debt. Additionally, if you are having difficulty paying a debt or feel like you are being harassed, you can contact a consumer protection attorney for assistance.

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Is it illegal to collect a debt for which I am not responsible?

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