What happens if I can’t pay a debt collector?

If you cannot pay a debt collector in the state of Washington, the first thing to do is communicate this with the debt collector. You should inform them that you are unable to pay the debt and explain your financial situation honestly. The debt collector must then provide you with information so that you can make a payment plan that works for both you and the debt collector. This will include how much you will pay over what period of time, as well as how you will pay the debt. The debt collector may also offer you other options such as debt relief or debt settlement. This could involve paying off the debt in a lump sum, negotiating the terms of repayment, or reducing the amount of the debt. If a repayment plan or other options are not agreed upon, the debt collector may resort to legal action. If you have been sued in Washington, you must respond within 30 days of being served. Failing to do so could result in a default judgment, which could include repossession, garnishment, liens, or other court-ordered remedies against you. It is important to remember that debt collectors must abide by state and federal laws when trying to collect a debt. This includes prohibiting them from harassing or threatening you. If a debt collector has violated any of these laws, you should contact your local consumer protection office.

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What happens if I can’t pay a debt collector?

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