What is a debt collection harassment cease and desist letter?
A debt collection harassment cease and desist letter is a document sent from a consumer to a debt collector informing them to stop all forms of communication with respect to a debt. The Washington Collection Defense Law regulates the communication between debt collectors and consumers. This letter serves as written evidence that the consumer has invoked the legal protection of the law. The letter serves to protect consumers from aggressive debt collecting practices, such as repetitive phone calls, threats, or use of profane language, that may be used to coerce payments. The letter can also be used to request detailed information about the outstanding debt and to contest the validity of the debt. The debt collector is prohibited from any form of communication with the consumer after the receipt of this letter, unless they are attempting to validate the debt or are providing a statement of original creditor’s name and address. The Washington Collection Defense Law also allows consumers to file a lawsuit against a debt collector who fails to comply with the cease and desist order. This will enable the consumer to recover damages and legal costs associated with their case. Therefore, the debt collection harassment cease and desist letter serves as a crucial form of protection and legal recourse for consumers in Washington.
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