Is there a limit on how often a debt collector can contact me?

Yes, there is a limit on how often a debt collector can contact you in Washington. The Fair Debt Collection Practices Act (FDCPA) provides specific protections for consumers, including limiting how often a debt collector can contact a consumer. Generally speaking, a debt collector cannot contact a consumer more than twice a week, unless the consumer consents to more frequent contact. In addition, a debt collector cannot contact a consumer at an unreasonable time or place, such as before 8 a.m. or after 9 p.m. Debt collectors in Washington are also prohibited from using threats of violence or harm against a consumer, using offensive words, or making false or misleading statements. These laws apply to all debts, including credit cards, medical bills, auto loans, and other types of debt. If a debt collector is violating any of these rules, a consumer can file a complaint with the Washington State Attorney General’s office or the Federal Trade Commission (FTC). If a consumer’s rights have been violated, they may be entitled to up to $1,000 in damages, as well as legal fees. In summary, yes, there is a limit on how often a debt collector can contact you in Washington. Consumers have specific rights and protections under the FDCPA, and debt collectors must abide by these rules. If you feel your rights have been violated, you should contact the Washington State Attorney General’s office or the FTC.

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Is there a limit on how often a debt collector can contact me?

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