How do I stop a debt collector from harassing me?

The first step to stopping a debt collector from harassing you is to send the debt collector a written notice. This notice should state that you do not wish to be contacted further in regards to the debt. Be sure to send the letter via certified mail so you can document the date that the debtor received the letter. In the state of Washington, it is illegal for a debt collector to harass or threaten a consumer in relation to collection efforts. If the debt collector continues to contact you, you can file a complaint with the Washington State Attorney General’s Office. This office has the power to investigate the debt collector and take legal action against them if necessary. You may also consider speaking to a consumer law attorney. An attorney can provide advice on how to stop the harassment as well as raise other legal issues that the debt collector may be violating. Under the Consumer Debt Defense Law in Washington, if the debt is subject to arbitration or litigation and the debt collector attempts to collect without providing the consumer with a copy of the arbitration or litigation agreement, the collector must stop their attempts to collect. In some circumstances, debt collectors may send collection letters and emails that violate the Fair Debt Collection Practices Act. If this happens, you should consider reporting the debt collector to the Federal Trade Commission. In summary, if you are being harassed by a debt collector in Washington, you have a few options to stop the harassment. These include sending a written notice, filing a complaint with the Washington State Attorney General’s Office, speaking to a consumer law attorney, and reporting the debt collector to the Federal Trade Commission if they are violating the Fair Debt Collection Practices Act.

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