How do I challenge a debt collection agency on the phone?

If you are dealing with a debt collection agency on the phone, there are a few things that you can do to challenge them. The first thing you should do is get informed. Make sure that you understand your rights under the Washington Collection Defense Law. This includes understanding any limitations on the amount of time that a debt collector can pursue a debt and understanding the types of communication that are allowed between the debt collector and you. Once you have a clear understanding of your rights, you can begin to challenge the debt collection agency. Make sure that you are polite and reasonable when speaking with the debt collector to maintain a professional conversation. It is important to ask for proof of your debt, such as an agreement or court order. If you do not have a copy of the debt agreement, demand one from the debt collector. You can also challenge the debt collection agency if the amount of debt they are claiming is incorrect. Ask for the exact amount that you owe and the exact date on which the debt became due. If the information is incorrect, then you can dispute the debt. Finally, make sure that you keep a record of any conversations that you have with debt collectors. This will help you should legal action become necessary. The Washington Collection Defense Law provides protections to consumers who are dealing with debt collectors, and it is important to understand your rights and how to best challenge the debt collection agency on the phone.

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How do I challenge a debt collection agency on the phone?

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