Can a debt collector contact me by phone or in person?

In Washington, debt collectors are allowed to contact you by phone and in person. However, there are certain restrictions that must be followed. Debt collectors are not allowed to contact you before 8am or after 9pm. They must also identify themselves and explain the purpose of the call. If asked, they must provide written validation of the debt. Debt collectors are also allowed to contact you in person. However, they must also follow certain restrictions. For example, they must identify themselves and explain the purpose of the visit. They cannot come to your place of work or home more than once in a seven-day period. They are also not allowed to use harassment tactics such as verbal abuse, obscene language, or threats of violence. If the debt collector is not following these guidelines, you can file a complaint with the Federal Trade Commission or the Washington State Attorney General. You also have the right to request that all communication be done in writing. By law, debt collectors must honor this request. Remember, as a consumer you have rights. You are protected by the Fair Debt Collection Practices Act which prohibits debt collectors from using abusive, unfair, or deceptive practices. If you feel that you have been the victim of a debt collector’s unethical behavior, you can take action.

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Can a debt collector contact me by phone or in person?

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