What should I do if I’m being hounded by a debt collector?

If you are being hounded by a debt collector in Washington, you should familiarize yourself with your rights under the Fair Debt Collection Practices Act (FDCPA). The FDCPA was enacted to protect consumers from unfair debt collection practices. Under the FDCPA, debt collectors are prohibited from engaging in certain behaviors such as making false statements, harassing the debtor, or using excessive force. Additionally, debt collectors are required to provide the debtor with certain information upon request, including the name and address of the original creditor and the amount of the debt. If you feel that a debt collector has violated the FDCPA, you can make a complaint with the Federal Trade Commission (FTC). The FTC enforces the FDCPA and can take action against debt collectors who engage in illegal practices. You can also contact an attorney who specializes in debt collection law. They can provide you with legal advice and assistance in taking action against debt collectors. It is important to remember that debt collectors cannot file a lawsuit against you or threaten to do so if it is not legally allowed. If a debt collector does file a lawsuit or make other legal threats, you can seek legal help from an attorney. Finally, make sure to keep a record of all communication with the debt collector and take note of any violations of the FDCPA. This information can be useful if you decide to take action against the debt collector.

Related FAQs

Can a debt collector threaten to take legal action against me if I don’t pay?
What happens if I can’t pay a debt collector?
Can a debt collector call my references?
Can a debt collector contact me at my place of work if I’ve asked them not to?
Can a debt collector obtain information about my employment?
What information must a debt collector provide me in writing?
Can I stop a debt collector from contacting me?
Can a debt collector ever increase the amount of a debt?
What can I do if a debt collector violates the Fair Debt Collection Practices Act?
What should I do if I am being harassed by a debt collector?

What should I do if I’m being hounded by a debt collector?

Related FAQs

Related Blog Posts