New York · FDCPA Cease & Desist
How to Stop Debt Collector Calls in New York
New York residents have federal FDCPA protections plus New York GBL § 601, which prohibits unconscionable and harassing collection practices by original creditors and third-party collectors alike. New York City residents have additional protections: NYC debt collectors must hold a Department of Consumer and Worker Protection (DCWP) license, and unlicensed collection activity is independently actionable.
New York City collectors must hold a NYC DCA license, unlicensed collection is a separate violation on top of any FDCPA breach.
Federal law
15 U.S.C. § 1692c(c) (FDCPA)
New York state law
New York Prohibited Practices, Debt Collectors
N.Y. Gen. Bus. Law § 601
New York-Specific Protections
New York General Business Law § 601 prohibits a broad range of unfair collection practices and applies to original creditors. New York City residents also benefit from the NYC Administrative Code (Title 20, Chapter 9), which requires debt collectors to be licensed and imposes additional conduct restrictions.
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Auto-cites 15 U.S.C. § 1692c(c) (FDCPA) and N.Y. Gen. Bus. Law § 601. Formatted for USPS Certified Mail. Instant PDF download.
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New York Debt Collector Cease & Desist FAQs
What's the difference between the FDCPA and New York's debt collection law?▾
The FDCPA applies to third-party collectors. N.Y. GBL § 601 applies more broadly and covers original creditors. NYC adds a licensing requirement under Title 20 of the NYC Administrative Code, collecting without a DCWP license is a separate violation.
What happens after a debt collector receives my cease-and-desist in New York?▾
Under the FDCPA, contact must cease after receiving your written request. Under GBL § 601, continued harassment is a deceptive practice subject to enforcement by the NY Attorney General and private action for damages.
Do I need a lawyer to send a cease-and-desist letter?▾
No for the demand letter. If you're in NYC and the collector lacks a DCWP license, consulting a consumer attorney is worthwhile, that unlicensed status creates additional liability.
Does a cease-and-desist letter actually stop debt collectors in New York?▾
Yes. New York collectors understand FDCPA and GBL § 601 exposure. Citing both in a formal cease-and-desist demonstrates you know your rights and are prepared to report violations to the NY AG or file suit.
Cease & desist rights by state
Laws change. Verify current rules with a consumer protection attorney or your state AG. kweldoc is a document drafting tool, not a law firm.