How can I stop debt collectors from harassing me?

If you are living in Washington, you have the right to stop debt collectors from harassing you. Here are some tips to help you protect yourself from harassment by debt collectors: 1. Know your rights: Debt collectors must follow the rules under the Fair Debt Collection Practices Act (FDCPA). They are not allowed to call you before 8 am or after 9 pm, or to contact you at work if it’s against company policy. 2. Document every interaction: Record the date and time of any contact, the name of the person you talked to, and what was said. This will be very useful if you need to file a complaint or take the collector to court. 3. Talk to an attorney: A credit repair law attorney can help you determine your rights and provide advice about how best to respond to the debt collector. 4. Send a cease and desist letter: Send a “cease and desist” letter to the debt collector demanding that they stop all contact with you and remove any false or misleading information they have reported to the credit bureaus. 5. File a complaint: If a debt collector has violated the FDCPA, you can file a complaint with the Consumer Financial Protection Bureau or the Washington State Office of the Attorney General. By knowing your rights and by using the strategies listed above, you can take action to stop debt collectors from harassing you. It is important to remember, however, that a debt collector cannot be stopped from trying to collect a debt. The only thing you can do is limit the way in which they contact you.

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How can I stop debt collectors from harassing me?

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