Can a debt collector use deceptive practices to collect a debt?

In Washington, debt collectors are prohibited from using deceptive practices when they are trying to collect a debt. This includes misrepresenting information, such as the amount of the debt, or making false threats of legal action or arrest. A debt collector also can’t pretend to be someone they are not, such as an attorney or a government official. Furthermore, they are not allowed to contact people at unreasonable times (such as early in the morning or late at night) or to share information regarding the debt with unauthorized parties. Debt collectors also can’t use unfair or unethical methods to collect a debt, which includes calling repeatedly with the intent to annoy or harass, or making false statements. They are also prohibited from threatening or demanding payment of a debt that has already been discharged in bankruptcy. It is important to note that if a debt collector does use deceptive practices, then the person they are trying to collect the debt from may have the right to sue the collector in small claims court for damages. Additionally, the person can file a complaint with the Washington Attorney General’s Office for violations of the Collection Defense Law.

Related FAQs

How can I obtain documents related to my debt?
What is the Fair Credit Reporting Act (FCRA)?
How do I prepare for a collection defense hearing?
Are there any restrictions on when a debt collector can call me?
How do I appeal a court decision in a collection defense case?
What are the steps involved in filing a collection defense lawsuit?
What can I do if a debt collector has obtained a judgment against me without my consent?
How do I challenge a debt collection agency on the phone?
What constitutes harassment under the Fair Debt Collection Practices Act (FDCPA)?
Can I recover attorney’s fees if I win a collection defense lawsuit?

Can a debt collector use deceptive practices to collect a debt?

Related FAQs

Related Blog Posts