How can I stop debt collectors from calling me?

There are several ways to stop debt collectors from calling you in Washington. First, you should contact the debt collector in writing and request that all communication from them must be in writing. Once they have received your written request, they cannot contact you or anyone else verbally. Second, contact your creditors directly and try to negotiate lower payments or a payment plan. Many creditors will be willing to work with you if you take the initiative to contact them and discuss your situation. This will not only stop debt collectors from calling you, but also help you manage your debt in the long run. Third, you can ask the court for relief by filing a “defendant’s answer to complaint for collection”. This is a legal document that requires the debt collector to prove that they have the right to pursue you for the debt. It will also “stay” the collection activity, which means the debt collector cannot contact you or attempt to collect the debt until the court has issued a ruling. Finally, you can file a complaint with the Washington State Department of Financial Institutions. The department will investigate the debt collector and the practices they are using to collect the debt. If they find that the debt collector has violated any consumer protection laws, the department will take action against them. These four steps can help you stop debt collectors from calling you in Washington. Remember, it’s important to stay calm and assert your rights when dealing with debt collectors and to always follow the law.

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How can I stop debt collectors from calling me?

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