What rights do I have under the Fair Debt Collection Practices Act?

In Washington, you have certain rights and protections under the Fair Debt Collection Practices Act (FDCPA). This act is designed to protect consumers from being harassed or mistreated by debt collectors. Under the FDCPA, debt collectors cannot use unfair practices in an attempt to collect a debt. This includes calling before 8 am or after 9 pm, using profane language, or making false statements about the debt or what will happen if it is not paid. Debt collectors must also provide written notification of the debt, including an explanation of the amount owed and a statement of the consumer’s right to dispute the debt. If the consumer disputes the debt, the debt collector must provide proof of the debt, such as documents showing the amount of the debt, its origin, and the customer’s agreement to pay it. The consumer has the right to ask for a validation of the debt and the debt collector must provide proof within five days of the request. If a consumer believes that the debt collector has violated the FDCPA, they have the right to file a complaint with the Federal Trade Commission or the Washington Attorney General’s office. Consumers may also be able to pursue a private civil action against the debt collector for any damages they have suffered as a result of the violation.

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What rights do I have under the Fair Debt Collection Practices Act?

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