What should I do if I am being harassed by a debt collector?

If you are being harassed by a debt collector in Washington, there are steps you can take to protect your rights. It is important to remember that debt collectors are legally required to abide by federal and state debt collection laws when trying to collect a debt. First, you should read up on the Fair Debt Collection Practices Act (FDCPA). Under the FDCPA, debt collectors are not allowed to harass you in any way. Harassment includes, but is not limited to, using threats, obscene language, repeatedly calling, or sending emails or letters with information meant to embarrass you. The FDCPA also requires debt collectors to stop contacting you if you tell them to, or if you contact a lawyer. Second, if you think a debt collector has violated the FDCPA, you can file a complaint with the Consumer Financial Protection Bureau (CFPB). The CFPB oversees debt collection practices and can investigate any potential FDCPA violations. Finally, if you have been harassed by a debt collector, you may also want to contact a lawyer. A lawyer can review your case and advise you on the appropriate legal steps to take to protect your rights. A lawyer may also be able to help you negotiate a payment plan with the debt collector. Taking these steps can help you stop the harassment and protect your rights.

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What should I do if I am being harassed by a debt collector?

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