What should I do if I’m being harassed by debt collectors?

If you’re being harassed by debt collectors in Washington, your first step should be to become familiar with state and federal regulations governing debt collection. Under the Fair Debt Collection Practices Act, debt collectors are prohibited from using certain tactics when attempting to collect on a debt. This includes calling you outside of reasonable hours, making threats, or using abusive language. If you’re being harassed by a debt collector, you should document the behavior in writing. This includes recording the date, time, and details of any correspondence. Your documentation will be necessary to prove your case should you decide to take action. You could also consider sending a letter of complaint to the debt collector or the debt collection agency. This should be done in writing, and should include copies of any supporting documentation. You should keep a copy of the letter for yourself. If you’re still being harassed after sending a letter of complaint, you may want to seek legal advice. While you may not be able to have the debt erased, an attorney may be able to help you negotiate a payment plan or settlement. Under the Washington Credit Repair Law, you may also have the right to dispute the accuracy or validity of the debt. If you’re able to successfully dispute the debt, you may not be required to pay it. Overall, if you’re being harassed by debt collectors in Washington, your best course of action is to become familiar with the relevant laws and document the situation. You may also want to consider sending a complaint letter and, if necessary, seek the assistance of an attorney.

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What should I do if I’m being harassed by debt collectors?

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