Can a debt collector tell me to pay more than I owe on a debt?

No, a debt collector cannot tell you to pay more than you owe on a debt in Washington. The Washington state debt collection law prohibits debt collectors from engaging in unfair practices, which includes falsely representing any amount owed or suggesting that any additional amount must be paid. Furthermore, it is illegal for a debt collector to threaten to take legal action if they cannot or will not do so. This also applies to asking for or demanding a payment that is more than the amount that is actually owed. Debt collectors are also prohibited from using harassment or abusive language with debtors. This includes attempting to intimidate the debtor to pay more than is legally owed. In addition, if a debt collector takes any action to collect more than you owe, you have the right to sue the debt collector for damages. This could include the return of any monies confiscated, credit damage, or other losses suffered as a result of the unfair practices. By law, Washington debt collectors must adhere to the state debt collection laws and the federal Fair Debt Collection Practices Act. Debtors must be aware of their rights and exercise them if they feel their rights have been violated.

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Can a debt collector tell me to pay more than I owe on a debt?

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