What consumer rights do I have when it comes to debt collection?
When it comes to debt collection, the state of Washington provides consumers with several rights. Washington law outlines what debt collectors can and cannot do when it comes to debt collection. The state of Washington requires that collection agencies must treat debtors fairly and reasonably. Collection agents are not allowed to use intimidating or harassing language when communicating with debtors, and collection calls must end by 9 pm each night. Debtors have the right to request that collection agents cease communications and can have legal representation present when dealing with debt collection. In Washington, debt collectors may not threaten or lie to debtors, and may not publish any individual’s name or photograph as a delinquent debtor. Collection agents must also provide debtors with information concerning the amount of the debt and their rights under the law. In addition, Washington prohibits debt collectors from collecting more than is owed, including any interest or other fees beyond what was originally agreed upon. Debt collectors are not allowed to add any additional charges without prior authorization from the debtor. Debtors in Washington also have the right to dispute any debt they owe. They can request copies of documents verifying the debt, and if it turns out the debt is not valid, collectors are not allowed to attempt to collect on it. It is important for all Washington residents to understand their rights when it comes to debt collection. Knowing these rights can help protect debtors from unethical or illegal practices by debt collection agents.
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