Can a debt collector contact me if I’m on Social Security Disability?

Yes, debt collectors can contact you if you are on Social Security Disability in Washington. The Fair Debt Collection Practices Act (FDCPA) protects people dealing with debt collectors. This law limits the time, place, and manner in which debt collectors can contact people. The law applies to all types of debts, including those on Social Security Disability. Under the FDCPA, debt collectors must respect your rights and cannot harass or abuse you. They cannot make false or misleading statements to you. They also cannot make threats or use abusive language. Debt collectors cannot contact you at an inconvenient time, such as before 8 a.m. or after 9 p.m. If a debt collector violates the FDCPA, you can file a complaint with the Federal Trade Commission or the Consumer Financial Protection Bureau. You can also contact an attorney who specializes in debt collection law. To make sure you have a valid complaint, gather evidence, such as recorded phone conversations or emails that the debt collector has sent you. If you have a valid complaint, you may be entitled to compensation and the debt collector may be required to stop contacting you. Ultimately, debt collectors must respect the FDCPA and treat you with respect. If a debt collector has violated the law, you should contact an attorney to learn about your rights and options.

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Can a debt collector contact me if I’m on Social Security Disability?

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