How do I know if a letter from a debt collector is legitimate?

To know if a letter from a debt collector is legitimate, it is important to read the entire letter. First, check the bottom of the letter for the debt collector’s address and contact information. Legitimate debt collectors must state that they are a debt collector and that any information obtained will be used for the purpose of collecting the debt. Second, look for a legal citation. Legitimate debt collectors will cite the law they are operating under in the letter, such as the Fair Debt Collection Practices Act. The Washington Collection Agency Act or the state law in the region where the debt occurred may also be cited. Finally, make sure to research any references made to a court, a legal action, or a third party. It is important to note that debt collectors do not have the power to arrest or sue individuals in Washington State, so such references are highly unlikely to appear in a legitimate letter. If a debt collector does make such threats, it is likely that the letter is not legitimate. In summary, check the debt collector’s address and contact information, any legal citations, and any references made to a court, legal action, or third party to verify the validity of a letter from a debt collector. If any of these elements are missing or appear to be inaccurate, it is likely the letter is not legitimate.

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How do I know if a letter from a debt collector is legitimate?

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