Hello Ms. Green, we are calling about the delinquent payments…
It’s 11 pm! This is the 3rd time you’ve called today! Welcome to our video series about the basics of Debt Collection in Washington State Welcome to our video series about the basics of Debt Collection in Washington State produced by the Northwest Justice Project. What if a collection agency keeps harassing me? The Fair Debt Collection Practices Act prohibits collection agencies from harassing you The Fair Debt Collection Practices Act prohibits collection agencies from harassing you to try to collect a debt. A collection agency cannot call you at “unreasonable hours” (after 9pm or before 730 am) And it cannot threaten you with illegal actions, like saying you’ll go to jail if you don’t pay, or that they will take your Social Security payments like saying you’ll go to jail if you don’t pay, or that they will take your Social Security payments The law also prohibits many other kinds of threatening and intimidating collection tactics. The law also prohibits many other kinds of threatening and intimidating collection tactics. If a collection agency harasses you, you can write them a “Cease Communication Letter” telling them to stop. you can write them a “Cease Communication Letter” telling them to stop. You can find a sample “Cease Communication letter” on WashingtonLawhelp.org. Even though this may stop the harassment, it doesn’t mean the debt has gone away. But if a collection agency continues to harass you, it doesn’t mean the debt has gone away. But if a collection agency continues to harass you, talk to a lawyer. The collection agency may be liable for monetary penalties if it violates the law.
The law covers collection agencies and their lawyers, but it may not cover stores, car dealerships, hospitals or other businesses that are collecting their own debts. However, you may have other legal ways to handle harassment. For more free information on debt collection and other legal issues, including interactive forms and sample letters, visit www.WashingtonLawHelp.org. If you are low-income, you may qualify for legal help from the Northwest Justice Project. Call the CLEAR hotline at 1-888-201-1014. Call the CLEAR hotline at 1-888-201-1014. Click here to watch another video on another topic, or just keep watching to learn more about debt, collections and the law in Washington State! or just keep watching to learn more about debt, collections and the law in Washington State! This video was made in January 2014 The laws may have changed since that
date. This video gives general information only. The laws may have changed since that
date. This video gives general information only. Your particular situation may be
very different. This video is not a substitute for
talking to an attorney about your unique situation. The video
does not create an attorney-client relationship about your unique situation. The video
does not create an attorney-client relationship and it cannot predict nor guarantee an outcome in any legal proceeding. and it cannot predict nor guarantee an outcome in any legal proceeding.