What defenses are available to me in a collection defense law case?

If you are facing a case related to collection defense law in Washington, there are several defenses available to you. One defense you may consider is asserting that you are not the one who is responsible for the debt in question. You may be able to show that the debt is too old to be collected and that the statute of limitations has expired. You can also argue that the debt is not yours or that it has been paid in full. You may be able to prove that you are a victim of identity theft or that the debt is fraudulent. This could be done by showing documents that prove the debt was not incurred by you or that it had already been paid. You may also be able to argue that the debt collector violated the Fair Debt Collection Practices Act (FDCPA). This act prohibits debt collectors from engaging in unfair and deceptive practices in the collection of debt. Examples of violations may include calling you at unreasonable hours, using profane language, and threatening to take your property or garnish your wages. Finally, you can assert that the debt collector is suing you for an amount larger than what is actually owed. This could be done by providing proof of the amount owed. By showing this evidence, the amount of the debt might be decreased or the lawsuit dropped altogether. By understanding your rights and defenses in collection defense law, you may be able to defend your case in Washington.

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What defenses are available to me in a collection defense law case?

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