by Howard S. Goldman, Esq.

Despite a strong urge to seek payment for goods and services promptly and professionally delivered, a creditor must proceed with caution at debt collection because of the federal and state regulatory protections afforded debtors*. Collection practices that are deemed unfair and deceptive may result in judicial assessment of punitive damages, attorney’s fees, and recovery for emotional distress. More and more debtors are turning to the courts and to the office of the Attorney General to remedy unfair debt collection practices.
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