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The Washington State Collection Agency Act took effect on January 1, 1972, and is enforced by the Department of Licensing and the Washington State Collection Agency Board. The law is intended to protect consumers and stop abusive practices by debt collectors.

The Washington State Collection Agency Act took effect on January 1, 1972, and is enforced by the Department of Licensing and the Washington State Collection Agency Board.

SoloSuit can buy time, but the tool alone may not help you win the war against aggressive debt collectors. Remember, knowledge is power. While SoloSuit educates consumers about their initial rights and responsibilities, it's crucial to seek professional legal assistance for comprehensive defense against debt lawsuits.

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A debt collector can't harass, intimidate, threaten, or embarrass you. This prohibition includes contacting you too often or at unusual times. Washington law assumes a debt collector is harassing you if it calls three times a week or more than once a week at your workplace.

Simons noted that SoloSuit's 50% case dismissal rate is a result of the app's ability to see people through the completion of the filing process. When the court receives a response, plaintiffs will typically move on to the next defendant.

When the credit reporting time limit does expire for a debt, it should drop off your credit report automatically. If for some reason, an old debt remains on your credit report, you can use the credit report dispute process to have it removed.

In Washington, the statute of limitations on debt collection lawsuits is six years after the date of default or last payment on the debt account. When six years have passed, debt collectors can still attempt to collect these debts, but they cannot file a collection lawsuit.

Debt collectors cannot harass or abuse you. They cannot swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also cannot make repeated calls over a short period to annoy or harass you.