Demand removal of debts caused by identity theft and stop collection harassment. This template is customized for New York residents with relevant state law citations.
New York Legal Requirements
Your demand letter should reference New York-specific laws including FDCPA.
- FDCPA
- New York City Consumer Protection Law
- NY General Business Law § 349
- NYC Admin Code § 20-493.1
Next Steps if They Ignore You
If your demand goes unanswered, you can escalate to New York small claims court or file a complaint with NY DFS / NYC DCA / CFPB.
The Debt Collection Playbook
Proof is Power
Contracts, invoices, texts, emails… gather all evidence of the debt.
Time is Your Ally (and Their Enemy)
Interest accrues. Late fees may apply. The longer they wait, the more they may owe.
Track Every Penny
Principal, interest, late fees… don't miss a dollar.
The Debtor's Options
Many states allow you to recover collection costs, including attorney fees in some cases. Know your rights.
Identity Theft Collections FAQs for New York
What laws protect me in New York for identity theft collections?
New York consumers are protected by FDCPA and New York City Consumer Protection Law. Your demand letter should reference these specific statutes.
What is the small claims limit in New York?
The small claims court limit in New York is $10,000. If your dispute exceeds this amount, you may need to file in a higher court.
How long do I have to file a claim in New York?
Deadlines vary by claim type. Generally, you should send your demand letter as soon as possible after the dispute arises.
Create Your New York Demand Letter
Generate a professional identity theft collections demand letter tailored for New York. Our free tool includes relevant state law citations.
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