A New York licensed attorney may commence an action in NY regardless of whether a debt collector is licensed. Debt Collectors must be licensed in NYC and you can verify information on the NYC website.
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All debt collection agencies that seek to collect personal or household debts from New York City residents must have a DCA license no matter where the agency is located. To verify if a debt collection agency is licensed, call 311 or search DCA’s Instant License Check online at nyc.gov/consumers.