What should I do if I receive a notice of collection from my credit card company?

If you receive a notice of collection from your credit card company, it is important to take action as soon as possible. The first step is to contact the company and ask for more information about the debt. You should verify that you are the one responsible for the debt, and if so, try to negotiate a payment plan. If the debt has already been sent to a collection agency, it is a good idea to speak to them as well. Under Washington law, credit card companies must provide a written notice of collection before beginning the process of collection. If you have not received such a notice, then the collection agency cannot take legal action against you. You should also review your credit report for any errors. If you find any incorrect information or errors in your report, dispute them with the credit bureaus. You can also file a complaint with the Washington State Attorney General’s Office if you believe that you’ve been a victim of illegal or unfair debt collection practices. If you are unable to resolve the dispute with the credit card company or collection agency, it is advisable to consider seeking legal advice. An attorney can advise you on the best course of action and help you protect your rights.

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What should I do if I receive a notice of collection from my credit card company?

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