What should I do if I am contacted by a debt collector?

If you are contacted by a debt collector in Washington, it is important to take their contact seriously. First, you will want to verify that the person you are dealing with is an actual debt collector, and not just someone trying to scam you for money. Ask for the collector’s contact information, such as a name, company name, and contact number. Next, if you actually owe the debt that the collector is contacting you about, make sure to verify the amount owed and if possible, ask for proof that the debt is legitimate. If the debt is legitimate, you should then discuss payment options. Debt collectors will generally be willing to work with you if you are willing to make an effort to pay back the debt. Finally, under consumer fraud law in Washington, debt collectors must follow certain guidelines when they contact individuals. They are not allowed to threaten or harass you or misrepresent the amount owed. If this happens, you should report the debt collector to the Washington State Attorney General’s Office. By taking these steps, you can protect yourself if you are contacted by a debt collector. Make sure to remain calm and assert your rights when dealing with debt collectors, and always keep copies of any documents related to the debt for your records.

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What should I do if I am contacted by a debt collector?

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