Can a debt collector ever contact me via email or text message?

Yes, a debt collector can contact you via email or text message in the state of Washington. However, they must still abide by federal and state laws that regulate debt collection. In general, debt collectors are prohibited from using harassing, oppressive, or abusive language when contacting debtors. They may not contact you at an unusual time or place or use profane or obscene language. Additionally, debt collectors are prohibited from calling you more than once a day or threatening to take legal action if the debt isn’t paid. According to Washington law, debt collectors are allowed to contact you via email or text message as long as certain conditions are met. Before sending messages, they must provide a physical address in the message where you can contact them, as well as information about your rights. They must also include certain notices about the debt, such as the amount, the due date, and the name of the original creditor. Upon request, debt collectors must also provide a written notice outlining these details. If you feel that a debt collector is violating any of these rules, you should contact the Washington Department of Financial Institutions to make a complaint. You can also contact an attorney if you feel your rights have been violated.

Related FAQs

Can a debt collector ever sue me?
What should I do if I’m being hounded by a debt collector?
Can a debt collector contact me if I’ve made a payment arrangement?
Can a debt collector contact me about a debt that my partner owes?
Who do I contact if I believe a debt collector has violated the law?
What should I do if I am being harassed by a debt collector?
Is it possible to negotiate with a debt collector?
Can a debt collector garnish my wages without a court order?
Can a debt collector charge a fee for collection of a debt?
Can a debt collector contact me if I’m on military deployment?

Can a debt collector ever contact me via email or text message?

Related FAQs

Related Blog Posts