N.Y. GBS. LAW § 601 : NY Code - Section 601: Prohibited practices
Search N.Y. GBS. LAW § 601 : NY Code - Section 601: Prohibited practices
No principal creditor, as defined by this
article, or his agent shall:
1. Simulate in any manner a law enforcement officer, or a
representative of any governmental agency of the state of New York or
any of its political subdivisions; or
2. Knowingly collect, attempt to collect, or assert a right to any
collection fee, attorney's fee, court cost or expense unless such
changes are justly due and legally chargeable against the debtor; or
3. Disclose or threaten to disclose information affecting the debtor's
reputation for credit worthiness with knowledge or reason to know that
the information is false; or
4. Communicate or threaten to communicate the nature of a consumer
claim to the debtor's employer prior to obtaining final judgment against
the debtor. The provisions of this subdivision shall not prohibit a
principal creditor from communicating with the debtor's employer to
execute a wage assignment agreement if the debtor has consented to such
an agreement; or
5. Disclose or threaten to disclose information concerning the
existence of a debt known to be disputed by the debtor without
disclosing that fact; or
6. Communicate with the debtor or any member of his family or
household with such frequency or at such unusual hours or in such a
manner as can reasonably be expected to abuse or harass the debtor; or
7. Threaten any action which the principal creditor in the usual
course of his business does not in fact take; or
8. Claim, or attempt or threaten to enforce a right with knowledge or
reason to know that the right does not exist; or
9. Use a communication which simulates in any manner legal or judicial
process or which gives the appearance of being authorized, issued or
approved by a government, governmental agency, or attorney at law when
it is not.
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