What information must a debt collector provide me in writing?

Under the Washington State Collection Agency Act, debt collectors must provide written information to consumers before and during collection proceedings. This information helps consumers understand their rights, the debt collection process, and the consequences of having unpaid debt. Before a debt collector begins collecting a debt, they must provide the consumer with written notice that includes the creditor’s and debt collector’s name and address, the amount of the unpaid debt, and the consumer’s right to dispute the debt or request more information about the debt. During the collection process, the debt collector must provide written notice each time they take an action. This includes: attempting to contact the consumer, filing legal proceedings against the consumer, or reporting the unpaid debt to a credit reporting agency. The written notice must include the amount of the unpaid debt and provide information about the consumer’s rights to dispute the debt or request more information. It is important to remember that debt collectors may not threaten or harass consumers in order to collect a debt. Consumers have the right to dispute a debt, request additional information, and file a complaint against a debt collector if they believe they are being treated unfairly.

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