Can a debt collector contact me by email?

In the state of Washington, debt collectors must follow federal and state consumer protection laws when attempting to collect a debt. According to the Consumer Debt Defense Law, debt collectors are not allowed to contact debtors via email unless the debtor has already given written permission. Debt collectors cannot send an email to a debtor for the purpose of collecting a debt, but they can use email to communicate information about a debt such as how much is owed, payment due dates, or when court action will be taken. Email can also be used to offer the debtor an opportunity to discuss repayment options. The Consumer Debt Defense Law prohibits debt collectors from harassing or intimidating debtors, so debt collectors must be respectful and professional when sending emails. They must also provide debtors with the opportunity to opt out of receiving emails. If a debt collector is in violation of the Consumer Debt Defense Law by contacting a debtor without permission, a debtor has the right to file a complaint with the Federal Trade Commission (FTC). Victims of consumer fraud, such as debt collection scams, can also receive assistance from their state Attorney General’s office.

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Can a debt collector contact me by email?

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