Can a debt collector contact me if I’m on a debt repayment plan?

Yes, a debt collector can contact you if you’re on a debt repayment plan in Washington. According to federal law, the Fair Debt Collection Practices Act (FDCPA), a debt collector can communicate with you to discuss the debt you owe, including to review your repayment plan. However, they cannot contact you more than three times per week, nor can they call you at any unacceptable time. Debt collectors also must stop regularly contacting you once you’ve made arrangements with them on how to repay the debt. Washington has additional debt collection laws that apply to in-state debt collectors. Washington law prohibits debt collectors from engaging in harassing or abusive conduct with debtors. This includes, among other things, contacting the debtor at unusual or inconvenient times, or disclosing the debt to third parties. They also can’t threaten actions that would be illegal or which the collector does not intend to take. Additionally, debt collectors must provide debtors with information about the state laws that protect them from collection activities. Overall, it is important to note that debt collectors must always follow the state and federal laws in order to collect a debt from you. If a debt collector violates the law, you can report them to the Washington State Attorney General or the Federal Trade Commission.

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Can a debt collector contact me if I’m on a debt repayment plan?

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