What can I do if I am being harassed by debt collectors?

If you are being harassed by debt collectors in Washington, you have certain rights and protections under the Credit Card Dispute Resolution Law. The law prohibits debt collectors from using unfair, deceptive, or abusive practices when collecting a debt. This means that debt collectors are prohibited from harassing you and making false or misleading statements. If you feel that you are being harassed, you can take legal action against the debt collector. You may be able to file a lawsuit against the debt collector in civil court to protect yourself and seek damages. You can also file a complaint with the Washington State Attorney General’s Office or the Consumer Financial Protection Bureau. You should also consider talking to a debt relief attorney who can review the situation, provide you with legal advice, and provide guidance on the next steps you should take. An attorney can help you protect your rights and identify potential violations of the Credit Card Dispute Resolution Law. You can also consider filing a dispute with your credit card issuer. By filing a dispute with your credit card issuer, you may be able to have the incorrect or false charges removed from your credit report or have the debt forgiven. Finally, you should know that the debt collector must stop contacting you if you tell them in writing that you do not want them to contact you anymore. This is called a “cease and desist” letter. This letter should be sent via certified mail, return receipt requested, so that you have proof of the date of the request.

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What can I do if I am being harassed by debt collectors?

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