Can a debt collector contact me if I’m a student?

In Washington, debt collectors are allowed to contact students in the same way they contact other debtors. Generally, debt collectors may call, email, text, or send letters in order to collect money owed. It is important to remember that debt collectors must still follow the requirements of the Fair Debt Collection Practices Act (FDCPA) when attempting to collect money from students. This law establishes certain rights for debtors, including limits on the amount of contact and the time of day for contact. The FDCPA also requires that debt collectors provide debtors with certain information about their situation, such as how much they owe, who it is owed to, and the options they have for paying the debt. It is important to remember that debt collectors are not allowed to threaten or harass debtors in any way. If a debt collector is contacting you for payment on a debt, you have the right to ask for more information about the debt, as well as access to any documents related to the debt. You also have the legal right to dispute the debt if you feel it is inaccurate or that you are not responsible for it. In the event that a debt collector is acting in a way that violates the FDCPA, you can file a complaint with the Washington State Attorney General’s office.

Related FAQs

Can a debt collector list my debt on my credit report?
Can a debt collector turn a debt over to an attorney for collection?
What happens if I dispute a debt with the credit bureau?
Can a debt collector ever contact me more than once a week?
Is it illegal for a debt collector to call me repeatedly?
Can a debt collector contact me if I’m on a debt repayment plan?
When does the Fair Debt Collection Practices Act apply?
Is there a limit on how often a debt collector can contact me?
Can a debt collector threaten to refer my debt to a collection agency?
Can a debt collector threaten to garnish my wages?

Can a debt collector contact me if I’m a student?

Related FAQs

Related Blog Posts