Comment
According to Washington State Law (RCW 19.16.250) and the Federal Fair Debt Collection Practices Act (15 USC 1692), when a collection agency contacts you for the first time, they must give their name, address, and the name of the original creditor (the business or person you owe money to). They must tell you in writing the amount of the debt and any fees which have been added, such as interest or collection fees. You must also be informed of your right to dispute the information.
In addition, a collection agency cannot:
* Call you more than three times a week. Only one of those calls can be at work. You cannot be called between 9 pm and 8 am
* Harass, intimidate, threaten, or embarrass you
* Threaten violence, criminal prosecution, or use offensive language
* Continue to contact you if you request in writing that they stop
If you send a written statement requesting a collection agency to stop, they cannot continue to call or write to you to demand payment.
If you have an attorney, the law prohibits a collection agency from contacting anyone other than your attorney. If you do not have an attorney, the agency can contact other people only to find out where you live or work. The collector cannot tell these people that you owe money. In most cases, the collection agency can contact another person only once. These same rules apply to contact with your employer.
Additionally, a creditor generally has to bring an action to collect a debt within 6 years, pursuant to RCW 4.16.040.
You also have the right to sue a collector within one year from the date the law was violated. If you win, you can recover money for the damages you suffered, plus an additional amount up to $1,000. You may be able to do so without retaining a private attorney in Small Claims Court.