What are the laws on credit card debt collection?

In Washington, credit card debt collection is governed by the state’s Credit Card Dispute Resolution Law. The law prohibits debt collectors from engaging in certain unfair practices, such as calling debtors multiple times a day or using threats, false statements, or abusive language when trying to collect a debt. The law also includes protections for credit card holders against creditors. Specifically, it prohibits creditors from filing lawsuits or trying to collect a debt after six years have passed since the debt was due. It also prevents creditors from taking any action against debtors who dispute the debt in writing. The law also requires that debt collectors provide debtors with a written notice describing the amount and terms of the debt. This notice must include a statement notifying the debtor of their right to dispute the debt in writing, as well as an explanation of the time limit for doing so. Finally, the law requires that debt collectors provide debtors with an opportunity to resolve their debt dispute through a pre-trial mediation process. This process gives debtors and collectors the chance to settle the dispute without having to go to court. It also enables debtors to challenge any inaccurate information in their credit report.

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What are the laws on credit card debt collection?

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