What can I do if a debt collector is trying to collect a debt that isn’t mine?

If a debt collector is trying to collect a debt that isn’t yours, you have the right to request a written validation of the debt from the debt collector in accordance with Washington’s debt collection law. This request must be made within 30 days of receiving the initial written notice from the debt collector. In this validation request, you should ask the debt collector to provide proof that the debt is yours, such as a copy of the contract, a billing statement, or other evidence that clearly identifies you as the debtor. If the debt collector fails to validate the debt within 30 days of your request, they must immediately stop collection activity and they cannot attempt to collect the debt from you again. If they continue to contact you, it would be a violation of Washington’s debt collection law and you may be entitled to damages. In addition, you may want to consider filing a complaint against the debt collector with the Washington Department of Financial Institutions as well as contacting an experienced consumer law attorney. An attorney can help you understand your rights, determine whether you have any legal recourse, and take steps to ensure that the debt collector is held accountable for their illegal actions.

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What can I do if a debt collector is trying to collect a debt that isn’t mine?

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