Can a debt collector refuse to work with me to create a payment plan?

Yes, a debt collector can refuse to work with you to create a payment plan. In Washington, a debt collector has the right to demand payment in full of the debt. A debt collector may also tell you that they do not accept payment plans or that they are not willing to negotiate or accept any payment arrangement you offer. However, if a debt collector is willing to work with you to arrange a repayment plan, they must abide by the state and federal laws that protect you from unfair debt collection practices. Debt collectors must treat you with respect and may not harass you to pay the debt. They are specifically prohibited from using profane or abusive language, threatening to take physical action, or calling you repeatedly. They cannot threaten to sue or garnish your wages unless they actually intend to do so and have a legal right to pursue a lawsuit. Even if a debt collector is unwilling to create a payment plan or negotiate a settlement, they are still obligated to give you written notice of the debt, how much you owe, and how it can be disputed. The debt collector must also explain your rights and any time limits that may apply to your debt. Washington state laws also require debt collectors to list any fees or interest associated with the debt, and the total amount owed.

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Can a debt collector refuse to work with me to create a payment plan?

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