Can a debt collector contact me if I’ve offered to settle a debt?

Yes, a debt collector can contact you even if you have offered to settle a debt in the state of Washington. Under Washington state debt collection laws, debt collectors may contact you to discuss the debt settlement terms once you have made an offer to settle the debt. For example, a debt collector may call you to confirm the amount of the offer, provide more information on the terms of the settlement, or to let you know if they have accepted or rejected your offer. In addition, even if you have offered to settle the debt, the debt collector can still contact you to remind you of your obligation to pay the debt or to inform you that you are in default if you do not accept the offer. It is important to remember that debt collection laws in Washington protect consumers by limiting the number of times a debt collector can contact you. A debt collector is prohibited from contacting you more than twice a week, or from using harassing or abusive language. Finally, if you have made an offer to settle the debt and the debt collector does not accept the offer, you have the right under Washington law to be given a written explanation of why the offer was rejected. This information must be provided in writing within five days of making the offer.

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