Can I stop a debt collector from contacting me?
Yes, you can stop a debt collector from contacting you in Washington. The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from aggressive and abusive debt collection tactics. Under this law, debt collectors must stop all contact with you if you request it in writing. If you want to stop a debt collector from contacting you, you should first send a letter by certified mail, return receipt requested. In the letter, you should include your name, address, and a statement that you are requesting that the debt collector stop contacting you. You should keep a copy of the letter for your records. Once the debt collector receives your letter, they will be prohibited from contacting you in any form. They will be allowed to contact you to tell you that they are stopping their collection efforts, and they may also advise you of any potential legal actions they may take if the debt is not paid. If you receive any contact after you have sent the letter, you can file a complaint with the Federal Trade Commission and your state Attorney General’s office. Be sure to keep all documents related to the debt collection activities. This will help if you decide to take legal action against the debt collector.
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