Your Legal Rights

New York Residents:

Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to:

a) the use or threat of violence;
b) the use of obscene or profane language; and
c) repeated phone calls made with the intent to annoy, abuse, or harass


If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt:
1. Supplemental security income, (SSI);
2. Social security;
3. Public assistance (welfare);
4. Spousal support, maintenance (alimony) or child support;
5. Unemployment benefits;
6. Disability benefits;
7. Workers’ compensation benefits;
8. Public or private pensions;
9. Veterans’ benefits;
10. Federal student loans, federal student grants, and federal work study funds; and
11. Ninety percent of your wages or salary earned in the last sixty days.

 

Notification of Right to Request Substantiation

If you wish to request substantiation of the debt, you may make a request for substantiation by notifying Beyond Green Solutions, LLC in writing to: Beyond Green Solutions, LLC, P.O. Box 25414 Rochester, NY 14625, indicating you are requesting substantiation of the debt.  Please identify your name and account number clearly in the correspondence.  Once a debt collector such as Beyond Green Solutions, LLC. receives a written request for substantiation, the debt collector must cease collection of the debt until substantiation has been provided to the consumer.  Substantiation must be provided within 60 days of receiving the request.  A debt collector must substantiate a debt pursuant to this section only once during the period that the debt collector owns or has the right to collect the debt.  Unlike the 30 day validation period under the FDCPA, there is no specific time limit outlined in the regulations during which a consumer must request substantiation