2022 CAI-NJ September LAC Issue

requirements and restrictions to creditors themselves, including CIC associations. The proposed legislation would prohibit creditors — including CIC associations acting alone in addition to their attor neys — from the following conduct: 1. Communicating or threatening to communicate with someone other than the debtor (such as family members, friends or employers) in a way that discloses the existence of the debt, including using debt related language on an envelope. 2. Communicating with the debtor “in a manner as to harass or embarrass” them, such as contacting debtors at unreasonable hours, with unrea sonable frequency, using threats of violence, offensive language, or threatening actions which the cred itor would not normally carry out in its normal course of business. 3. Communicating with debtors using forms or documents that are designed to resemble court or law enforcement documents. 4. Communicating with debtors without revealing the creditor’s identity. 5. Contacting the debtor at their place of employment. 6. Communicating with the debtor in a way that would force the debtor to incur costs, such as using long distance telephone numbers. 7. Joining or requesting to join the debtor’s social media network or contacting them by direct messag ing platforms. Violations of this statute would sub ject creditors or debt collectors to a civil penalty of $2,500 for the first violation and $5,000 for subsequent violations. CONT I NU E S ON PAGE 24

Experience Resources Excellence

The Service You Deserve

Taylor Management Company has been managing community associations for decades. We have been recognized by the Community Associations Institute (CAI) as an Accredited Association Management Company (AAMC) and by the Institute of Real Estate Management (IREM) as an Accredited Management Organization (AMO). These designations are accorded for the highest level of ethics and professional management in the industry.

Leaders in Professional Community Management Since 1992!

80 South Jefferson Road, 2nd Floor, Whippany, NJ | Tel. 973.267.9000 100 Franklin Square Drive, Suite 203, Somerset, NJ | 732.764.1001

TaylorMgt.com

COMMERCIAL LAWN MAINTENANCE & CERTIFIED PAVER INSTALLATIONS Install Trees, Shrubs, Sod, Mulch & Decorative Stone Richard Eible - Owner Business: 732-926-8843 203 Sergeantsville Road Cell: 732-245-0022 Flemington, NJ 08822 Fax: 908-751-5888 www.ralandscapingdesign.com Email: ralandscapingdesign@comcast.net Serving All of New Jersey Landscaping & Design, LLC Snow Plowing & Salting

23

S E P T E M B E R 2 0 2 2