Can a debt collector contact me at any time of day?

No. In Washington state, debt collectors must abide by the Fair Debt Collection Practices Act, which outlines strict regulations regarding when and how debt collectors can contact a debtor. A debt collector cannot call a debtor before 8 A.M. or after 9 P.M. local time. In addition, debt collectors cannot contact a debtor at work, or repeatedly call a debtor within a short period of time. Debt collectors are also barred from using profane and abusive language, making false statements or misrepresentation, or attempting to collect more debt than is legally owed. If a debtor feels a debt collector is violating these regulations, they can file a complaint with the Federal Trade Commission or the Washington State Department of Financial Institutions. Debtors also have the right to reqests debt collectors to stop contacting them. If a debt collector continues to contact the debtor after these requests, they can be liable for damages by the debtor in a lawsuit. It is important for debtors to know their rights and the regulations surrounding debt collection law in Washington in order to protect themselves from harassment or unfair practices.

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