Robert
Buffalo,#2Consumer Suggestion
Wed, September 17, 2008
and it does NOT apply to creditors. Look to New Jersey law to determine if they are violating any state law regarding collection practices. For example: New York State General Business Law, Article 29-H prohibits harassment from debt collectors and CREDITORs-violation is a misdemeanor which leaves the violator subject to criminal and civil penalty. New Jersey may have similar statutes.