Can a debt collector sue me in a different state?

In Washington, debt collectors may not sue you in a different state than the one in which you reside. If a debt collector attempts to sue you in a state other than the one where you live, it is likely a violation of the Fair Debt Collection Practices Act (FDCPA). The FDCPA is a federal law that covers debt collection methods and prohibits debt collectors from harassing, threatening, or deceiving debtors. In Washington, you are also protected from collection efforts that violate state law. The Washington Collection Agency Act (WCAA) establishes restrictions for debt collection activities and provides debtors with additional protection. For example, the WCAA prohibits debt collectors from using false or misleading statements in an attempt to collect a debt. If a debt collector has filed suit against you in a state other than Washington, you may have a right to challenge the lawsuit. Generally, a debt collector must sue you in the state where you live. If they sue you elsewhere, they may be required to show that the state they are suing in has jurisdiction over the case. There are certain circumstances where it may be permissible for a debt collector to sue in a different state if you no longer live in Washington. If you believe a debt collector is attempting to sue you in a different state than the one you live in, contact a consumer law attorney to discuss your options.

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Can a debt collector sue me in a different state?

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