Being in debt can be an extremely stressful position to be in, and for many, it can lead to a vicious cycle. This vicious cycle is perpetuated by fines and interest that is accumulated over time. Many debtors also experience harassment from creditors, which can make it even harder to deal with the situation that they are in.
If you are struggling with debts, and you are feeling overwhelmed by constant communication from your creditors, you should make yourself aware of the protections you have a right to under the law.
Your rights under the Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act (FDCPA) was put into law for the purpose of protecting debtors from harassment. As a result, the FDCPA puts in place a set of requirements that all creditors and third-party debt collectors must adhere to whenever they make contact with a debtor.
Creditors and debt collectors are required to identify themselves during every communication with debtors. They must clearly communicate that their intention is to collect debts when they make contact, and they should also provide the name and the address of the original creditor. They should also make clear to the debtor that they have the right to dispute the debt.
In addition, creditors and debt collectors are prohibited from calling at unreasonable hours in the consumer’s local time zone. They must also cease communication upon request and refrain from making repeated and persistent contact.
If you believe that you are a victim of creditor harassment in Washington, you should take the appropriate action to assert your rights.