What happens if I ignore a letter from a debt collector?

It is important that you take any letter or communication from a debt collector seriously. Ignoring a letter from a debt collector can have serious consequences, as it could lead to a court hearing or legal action. Under Washington state law, debt collectors are allowed to file a lawsuit in court if a debtor does not respond to a letter from a debt collector. Once the court enters a judgment, the collector can then use collection methods such as wage garnishment, bank account levies, or real estate liens to collect on the debt. It is also possible that debt collectors might use collection methods such as making harassing or persistent phone calls, sending threatening letters, or misrepresenting the amount of money you owe. These tactics, while not illegal, can be considered harassment and should be reported to the Washington Department of Financial Institutions, a government agency that regulates debt collectors. If you do receive a letter from a debt collector, you should contact the debt collector directly to discuss your situation. Under the Fair Debt Collection Practices Act, debt collectors must cease communication with you if you ask them to do so in writing. If a debt collector continues to contact you after you make such a request, they may be in violation of the law. You can also contact a lawyer if you have questions regarding your rights with regard to a debt collector.

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What happens if I ignore a letter from a debt collector?

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