What can I do if a debt collector violates the Fair Debt Collection Practices Act?

If you believe that a debt collector has violated the Fair Debt Collection Practices Act (FDCPA) in Washington, you can take action. The FDCPA protects borrowers from harassment, intimidation, and other unfair practices. First, you should document the violation. Make sure to include the date, time, and any other relevant information about the incident, such as the name of the collector or the phone number they called from. Keep any emails, letters, or other documents you received as evidence. Next, you should file a complaint with the Consumer Financial Protection Bureau (CFPB). You can submit a complaint through their website, or call their toll-free number at 1-855-411-2372. They will investigate the matter, and may be able to get the debt collector to stop the malicious behavior. In addition, you can contact an attorney. An attorney can help you to determine if the debt collector has violated the law, and can advise you on your legal rights. They can also assist you in filing a civil lawsuit against the debt collector, if necessary. You should also contact the Federal Trade Commission (FTC) and your state’s Attorney General’s office. Both organizations can provide you with additional information, and may be able to assist you in stopping the illegal practices. Taking action when a debt collector violates the FDCPA can help ensure that your rights are protected.

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What can I do if a debt collector violates the Fair Debt Collection Practices Act?

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