Washington Cease and Desist for Debt Collectors

State:
Multi-State
Control #:
US-MC-0005-8
Format:
Word; 
Rich Text
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Description

Consumers are to use this letter when they are receiving multiple and harassing phone calls from a collection company or creditor.

How to fill out Washington Cease And Desist For Debt Collectors?

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FAQ

3 Things You Should NEVER Say To A Debt CollectorAdditional Phone Numbers (other than what they already have)Email Addresses.Mailing Address (unless you intend on coming to a payment agreement)Employer or Past Employers.Family Information (ex.Bank Account Information.Credit Card Number.Social Security Number.

The Fair Debt Collection Practices Act (FDCPA) is a federal law that provides a mechanism for you to stop debt collectors from contacting you. You can do this by sending a Cease and Desist Letter. Federal law allows you to communicate with debt collectors to tell them that you want them to stop contacting you.

Include your contact information and send this letter via certified mail with a return receipt requested so that you know if and when the creditor receives your letter. Once the debt collector receives a cease and desist letter, it must stop all further contact unless the law permits otherwise.

This letter should be addressed and directed at one creditor only. You'll have to write one for each of the creditors that you want to stop calling you. Sending a cease and desist letter isn't a solution to your problem; it's merely a solution to receiving annoying phone calls.

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.

Debt collection agencies may take you to court on behalf of a creditor if they have been unable to contact you in their attempts to recover a debt. Before being threatened by court action, the debt collection agency must have first sent you a warning 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.

If you believe a debt collector is harassing you, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372). You can also contact your state's attorney general .

Dear debt collector: Pursuant to my rights under the state and federal fair debt collection laws, I hereby request that you immediately cease all calls to your phone number in relation to the account of wrong person's full name. This is the wrong number to contact that person.

More info

To stop the collection calls, answer it and follow the steps outlined by Washington-based attorney Ira Rheingold, a 20-plus-year veteran of ... Debt collectors can call you, or send letters, emails, or text messages to collect a debt. How can I stop a debt collector from contacting me? Mail a letter to ...In Washington State, these rights include the Fair Debt Collection PracticesWhether you need to demand a collector to cease and desist or a settlement ... Even if the debt is yours, you still have the right not to talk to the debt collector and you can tell the debt collector to stop calling ... The federal Fair Debt Collection Practices Act (FDCPA) was enacted to curb these annoying and abusive behaviors, but some debt collectors flout the law. Here ... File bankruptcy and get a debt discharge or repayment plan; Deal with the debt collectors as they come. Remember: The longer you wait, the worse ... Before a debt collector can file a court case, they must send the debtor a written "validation notice" telling the debtor how much they owe, ... Scammers are posing as legitimate debt collectors?threatening Texans with debt they do not owe. Their tactics can be very intimidating. It is within your rights to request a collector to cease communication with you. It must be done in writing and sent by mail. Again, it's best ... You can write a letter to the debt collector telling them to stop contacting you. (Click here for a letter you can use) After receiving your letter, a debt ...

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Washington Cease and Desist for Debt Collectors