What can I do if a debt collector is making false statements?

If a debt collector is making false statements in Washington, there are options available to protect yourself and your rights. The Fair Debt Collection Practices Act (FDCPA) provides consumers with specific legal rights and remedies to combat false and intrusive debt collection practices. To begin, consumers should contact the debt collector in writing and inform them that they are aware of the FDCPA and are aware of their rights. Consumers should provide the debt collector with a statement of dispute – a written explanation of why they feel they do not owe the debt or that they owe less than what is stated. The statement should include proof of the debt, such as documentation of the original loan amount or credit card statements. This documentation should be sent to the debt collector with a letter. Consumers can also take legal action against a debt collector if the false statement is causing them harm. This action is known as a collection defense lawsuit. In a collection defense lawsuit, consumers could be awarded damages for things such as emotional distress and lost wages. Consumers can also request that the debt collector stop contacting them, and the court will decide if this is within the consumer’s best interest. It is important to take action quickly if a debt collector is making false statements in order to protect your rights and financial interests. If the situation is not addressed, it could lead to more serious financial challenges.

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What can I do if a debt collector is making false statements?

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