Can a debt collector contact me about a debt that I’ve already paid?

In Oregon, a debt collector cannot contact you about a debt that you have already paid. According to Oregon state law, a debt collector must contact the original creditor first and verify that the debt has been paid. If the debt collector cannot verify that you have paid the debt, they are not allowed to contact you regarding the debt. In the event that you have paid the debt but the debt collector still contacts you, you can file a complaint with the Oregon Department of Consumer and Business Services. This department will investigate the debt collector’s actions and can take disciplinary action if the debt collector violated Oregon debt collection laws. You can also take legal action against the debt collector privately. A private lawsuit will require you to prove that the debt collector contacted you after you paid the debt. If you can prove this, the debt collector may be liable for damages, including any distress that the collection contacts caused you. If you encounter any violations of Oregon debt collection law, it is important to contact a lawyer for advice. Additionally, you can also contact the Oregon Department of Consumer and Business Services to file a complaint and ensure that the debt collector is acting in accordance with Oregon state law.

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