What can I do if I am being threatened by a debt collection agency?

If you are being threatened by a debt collection agency in Washington, there are several steps you can take to protect yourself. First, familiarize yourself with the Washington Collection Defense Law. This law prohibits the use of harassment, intimidation, false statements, and other tactics to collect a debt. If the debt collector is violating the law, you can file a complaint with the Washington Department of Financial Institutions. Second, demand that the collection agency provide you with written proof of the debt. Under the law, the agency must validate the debt within five days. If they cannot, they must remove the debt from your record and stop trying to collect it. Third, speak to an attorney. An experienced attorney can help you identify any other violations the collection agency may have committed and help you take further action if necessary. Finally, if the collection agency is unable to validate the debt and is still harassing you, you can file a lawsuit against the agency. The court will then review the case and decide if the debt is valid or if the tactics used by the collection agency were improper. If the court finds in your favor, the agency may be ordered to pay damages.

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What can I do if I am being threatened by a debt collection agency?

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