COLLECTION AGENCY VERIFICATION
The debt amount, stating the original debt and a breakdown of other costs or interestĪ statement that unless you dispute the debt within 30 days after getting the notice, the agency will assume the debt is validĪ statement that, if you request it within 30 days, the collector will provide the original creditor’s name, if different from the collectorĪ statement that if you notify the debt collector in writing within 30 days of getting the notice that you dispute the debt, the collection agency will mail you verification of the debt The first written notice from a collection agency must have all of this information: If they first contact you by phone, you should insist they contact you in writing. The notice must have certain information in it. What must the collection agency do?Ī collection agency is required to contact you in writing about a debt. You can find these laws at your local library or online. The federal law is the Fair Debt Collection Practices Act ( FDCPA) ( 15 U.S.C. Washington’s laws are the Collection Agency Act ( CAA) ( RCW 19.16.100) and Consumer Protection Act ( CPA) ( RCW 19.86.010). *Lawyers who regularly collect consumer debt are “debt collectors.” They must follow federal law.įederal and state laws protect debtors whom collection agencies contact. Collecting debts is not their main business. This does not include the credit or collection office of a business whose primary purpose is not debt collection.Įxample: The credit office of a department store or car dealership, or a bank that issues credit cards and tries to collect a debt, is not a "collection agency" within the law’s meaning. What is a collection agency?įederal and Washington state laws define a collection agency as a business or organization whose principal purpose is collecting debts.
COLLECTION AGENCY HOW TO
If a collection agency is suing you OR already has a judgment against you, see our packets on How do I Answer a Lawsuit for Debt Collection or How to Claim Personal Property Exemptions. Read this for help understanding debt collection practices and your rights. Which property and income does the law protect from debt collection?Ĭollection agencies are calling me nonstop.What should this letter to the collection agency say?.
0 kommentar(er)
