Washington Collection Report
Description
How to fill out Collection Report?
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FAQ
The Federal Trade Commission advises that you be as specific as possible in the letter about the reason why you think you do not owe this debt (or owe all of it, if you're disputing the amount), but you should give as little personal information as possible in the letter.
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. Once a debt is past the statute of limitations, debt collectors can still attempt to collect on these debts, but they cannot file a collection lawsuit.
The Fair Debt Collection Practices Act (FDCPA)...Should I share my personal information, including birth date and Social Security number, with a debt collector?Their name.Company name.Address.Call-back phone number.Website URL.State license number, if available as not all states license collectors.
How much interest can collection agencies charge? Collection agencies can collect 12% interest annually on debts.
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. Once a debt is past the statute of limitations, debt collectors can still attempt to collect on these debts, but they cannot file a collection lawsuit.
Interest and Other ChargesDebt collectors may collect interest, fees, charges, or other expenses to your debt only if they are expressly authorized by the agreement creating the debt or are otherwise permitted by law.
You only need to say a few things:This is not a good time. Please call back at 6.I don't believe I owe this debt. Can you send information on it?I prefer to pay the original creditor. Give me your address so I can send you a cease and desist letter.My employer does not allow me to take these calls at work.
Debt collectors can charge you interest, up to the maximum amount outlined in the original contract. It's generally listed as the penalty rate in credit card contracts and it can soar past 30 percent, depending on the creditor.
This is legal, but a collection agency is only allowed to charge interest on a debt that you owe according to what is the original creditor agreement. This means that if any fee or interest was not authorized by the original agreement or by law, it is not allowed.
If you have experienced debt collection outreach that you feel violates your rights under the FDCPA, you can report the debt collector. Contact the FTC, your state attorney general's office or the Consumer Financial Protection Bureau to file your claim.
