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

Yes, a debt collector can still contact you even if you have already paid the debt. According to Washington’s debt collection laws, a debt collector can contact you even if you have already paid the debt if the debt collector does not know that the debt has been paid. This means that if you have paid the debt, you must provide proof to the debt collector that you have paid. The Washington Fair Debt Collection Practices Act (FDCPA) sets out the procedures for collection of any debt. According to the law, debt collectors must make reasonable efforts to validate your debt before they can contact you. They are not allowed to contact you until they have done that. Once the debt collector has validated the debt, they must give you a written notice that includes the amount of the debt and lets you know your rights. Additionally, a debt collector is not allowed to contact you if they know that you have already paid the debt. In this case, they are not allowed to contact you at all. If they do contact you, they must stop when you tell them you already paid the debt. In summary, a debt collector can contact you about a debt even if you have already paid it, as long as they do not know that you have paid it. If they do know that you have paid the debt, they must stop contacting you.

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

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