What rights do consumers have in debt collection?

In Washington, consumers have certain rights in debt collection as outlined by Consumer Debt Defense Law. These rights are designed to protect consumers from unfair or illegal practices by debt collectors. First and foremost, consumers have the right to be informed of their legal rights. This means debt collectors are required to provide the debtor with a list of their rights in writing upon initial contact. This information must also include a full disclosure of the debt, including the amount and who is owed. Debt collectors must also provide verification that the debt belongs to the consumer and is accurate. If the debt collector is unable to do this, the consumer has the right to request a copy of the original contract or agreement. Consumers also have the right to be free from harassment. Debt collectors must refrain from making frequent or multiple calls to the debtor and are prohibited from using offensive or profane language. Additionally, debt collectors may not threaten to take away property, such as wages, or threaten jail time for nonpayment. Debt collectors must also refrain from discussing the debt with anyone, except for the debtor and their legal representatives. Finally, debt collectors are required to provide the debtor with a detailed explanation of how to dispute the debt or how to negotiate a payment plan. Consumers also have the right to seek legal counsel who can provide assistance if they feel they are being treated unfairly or illegally.

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