Can a debt collector take money from my bank account?

In Washington, debt collectors are not legally allowed to take money from your bank account without your permission. In the state, consumer debt defense laws protect you from debt collectors who may attempt to withdraw money without your authorization. Debt collectors can only take money from your bank account if they obtain a court-ordered garnishment, where they are given permission to take a certain amount of money from your account. This court-ordered garnishment must come after they have sent you a notice in writing to tell you they are going to do this, and they must have received a court order and taken the necessary court paperwork with them to your bank. Additionally, if you are in a dispute with a debt collector and believe they have no legal rights to take money from your account, you can contact Washington’s Debt Collection Agency for legal advice and assistance. The agency will investigate any claims and can file a lawsuit against a debt collector if it believes they have acted inappropriately. In conclusion, it is important to be aware of your consumer debt defense rights in Washington and to be aware of the steps debt collectors must take before they are allowed to take money from your bank account.

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