2002 Route 17m, Suite #12, Goshen NY 10924
M Cabrera & Associates
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Collection Harassment Defense in New York and New Jersey


Our experienced collection defense attorneys zealously protect your rights

The debt collection industry has a reputation for harassing tactics and abusive behavior. Many collection agencies believe they can intimidate you into paying them. At the firm of M. Cabrera & Associates, PC, we fight for your right to be treated with respect. If a creditor or collector is harassing you, let us protect you. We can stop the illegal behavior and possibly recover damages for you.

Fair Debt Collection Practices Act

A federal law called the Fair Debt Collection Practices Act (FDCPA) protects consumers from predatory collection practices. The statute is intended to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection and to provide consumers with a means for disputing inaccurate debt information. The FDCPA is sometimes used in conjunction with the Fair Credit Reporting Act (FCRA), which regulates the collection, dissemination and use of consumer information, including credit information. The attorneys at the firm ofM. Cabrera & Associates, PC have a deep understanding of how these laws can protect you from debt collectors and can help you recover damages for illegal collection tactics.

Prohibited Debt Collection Tactics

Under the FDCPA, creditors and collectors are prohibited from using harassing or abusive tactics, including:
Documents - collection harassment in Goshen NY
  • Calling you at odd hours (before 8 a.m. or after 9 p.m.)
  • Calling you at work after you have told them not to call you there
  • Using any type of misrepresentation
  • Threatening you with legal action if no such action is intended
  • Threatening you with arrest
  • Communicating with you after you have told them to cease communication (the exception is providing notice of a lawsuit or garnishment)
  • Calling you repeatedly with the intent to annoy, harass or abuse
  • Discussing your debt with a third party, such as an employer or a family member
Our attorneys aggressively protect you from such actions by collectors and creditors. At the same time, we can help you with other debt-related services, including foreclosure defense and filing for bankruptcy. Let us fight for you.
Call M. Cabrera & Associates, PC at 845-531-5474 for more information on how we can protect you from debt collectors in the New York City Metropolitan Area.