What are my rights when dealing with a debt collector?

When dealing with a debt collector, it is important to understand your rights in order to protect yourself. In Washington, the Collection Defense Law provides many rights to consumers. First and foremost, you have the right to demand proof of the debt. A debt collector cannot contact you if you have requested written proof that you are indeed responsible for the debt. Second, you have the right to be free from unfair communication practices. For example, a debt collector can not harass, oppress, or abuse you by using obscene language or making threats of violence. Third, you have the right to privacy. A debt collector is not allowed to discuss your debt with anyone other than you, your spouse, your attorney, and a credit reporting agency. Fourth, you have the right to be free from deceptive practices. A debt collector cannot make false representations or misrepresent the debt. For example, they cannot falsely claim to be an attorney or a government representative. Finally, you have the right to pay only the amount that you owe. A debt collector is not allowed to charge you any fees or interest that is not specifically written into your contract. It is important to understand your rights when dealing with a debt collector since they are obligated to abide by the Collection Defense Law. If a debt collector has violated your rights, you may have the right to file a complaint with the Washington Office of the Attorney General.

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What are my rights when dealing with a debt collector?

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