* § 604-bb. Notice of coerced debt. 1. Within ten business days of\nreceipt of the following, a creditor shall cease collection activities\nuntil completion of the review under subdivision three of this section:\n (a) adequate documentation of coerced debt; and\n (b) the debtor's statement that a particular debt being collected, or\nportion thereof, is coerced debt.\n 2. (a) If a debtor notifies a creditor, either orally or in writing,\nthat a debt is a coerced debt but does not provide the documentation\nrequired in subdivision one of this section, or such documentation is\ninsufficient, such creditor shall provide written notice to such debtor\nthat includes the following text:\n "UNDER NEW YORK GENERAL BUSINESS LAW 604-BB, YOU HAVE THE RIGHT TO\nDISPUTE DEBT THAT YOU BELIEVE IS COERCED DEBT. A DEBT IS "COERCED" WHEN\nIT IS INCURRED IN A CONSUMER'S NAME BECAUSE OF THREATS, INTIMIDATION, OR\nFORCE BY ANOTHER PERSON.\n TO DISPUTE COERCED DEBT, YOU MUST SUBMIT A "NOTICE OF COERCED DEBT" IN\nWRITING. THE "NOTICE OF COERCED DEBT" MUST INCLUDE TWO DOCUMENTS:\n 1 - A SWORN OR NOTARIZED STATEMENT BY YOU, THE ALLEGED DEBTOR, UNDER\nPENALTY OF PERJURY, STATING THAT A CERTAIN DEBT OR PORTION OF A DEBT\nBEING COLLECTED IS COERCED DEBT.\n 2 - "ADEQUATE DOCUMENTATION OF COERCED DEBT"\n TO PROVIDE "ADEQUATE DOCUMENTATION OF COERCED DEBT," YOU ARE REQUIRED\nTO PROVIDE ONLY ONE OF THE FOLLOWING DOCUMENTS, BUT YOU MAY PROVIDE MORE\nTHAN ONE.\n 1 - A POLICE REPORT\n 2 - A COPY OF AN OFFICIAL VALID REPORT FILED BY YOU WITH A FEDERAL,\nSTATE OR LOCAL LAW ENFORCEMENT AGENCY\n 3 - A COURT ORDER FINDING THAT THE DEBT WAS COERCED\n 4 - A NOTARIZED STATEMENT FROM A "QUALIFIED THIRD PARTY" THAT YOU\nREPORTED THE COERCED DEBT TO.\n EXAMPLES OF "QUALIFIED THIRD PARTIES" INCLUDE SOCIAL WORKERS AND\nATTORNEYS; DOCTORS, NURSES, AND THERAPISTS; EMPLOYEES FROM GOVERNMENT OR\nNON-PROFIT AGENCIES THAT WORK WITH SURVIVORS OF VIOLENCE; MEMBERS OF THE\nCLERGY; AND LAW ENFORCEMENT OFFICERS.\n NO MATTER WHICH FORM OF "ADEQUATE DOCUMENTATION OF COERCED DEBT" YOU\nPROVIDE, IT MUST IDENTIFY THE PARTICULAR DEBT, STATE THAT IT IS COERCED\nDEBT, AND DESCRIBE THE CIRCUMSTANCES THAT CAUSED THE DEBT TO BE\nINCURRED.\n TO DISPUTE DEBT THAT YOU BELIEVE IS COERCED DEBT, PLEASE SEND THE\nREQUIRED DOCUMENTS TO (DESIGNATED ADDRESS). AFTER RECEIVING YOUR NOTICE\nOF COERCED DEBT, WE WILL INVESTIGATE YOUR CLAIM AND RESPOND IN WRITING\nWITHIN 35 BUSINESS DAYS. FOR MORE INFORMATION, PLEASE CALL (DESIGNATED\nPHONE NUMBER)."\n (b) If a debtor notifies a creditor in writing that a particular debt\nbeing collected, or portion thereof, is coerced debt, but omits\ninformation under subdivision one of this section, and if such creditor\ndoes not cease such collection activities, such creditor shall provide\nwritten notice to such debtor of the additional information that is\nrequired.\n 3. (a) Within ten business days of receiving all the information\nrequired under subdivision one of this section, the creditor shall, if\nsuch creditor furnishes adverse information about the debtor to a\nconsumer reporting agency, notify such consumer reporting agency that\nthe account is disputed.\n (b) Within thirty business days of receiving all the information\nrequired under subdivision one of this section, the creditor shall\ncomplete a review considering all information provided by the debtor and\nother information available to such creditor in such creditor's file. In\nconnection with such review and communication of the outcome of such\nreview, the creditor shall:\n (i) neither directly nor indirectly contact the individual accused of\ncausing the coerced debt to be incurred;\n (ii) use only the contact information the debtor provides with the\ninformation under subdivision one of this section when attempting to\ncontact such debtor and shall not use any other contact information,\neven if associated with the account under review, when attempting to\ncontact such debtor; and\n (
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