Washington state law on Debt Collection

Apart from that, no collection agency should use abusive or harassing methods while collecting debts from the consumers.

The Federal Trade Commission has specifically prohibited abusive practices by debt collectors under various sections. Please have a look at the THE FAIR DEBT COLLECTION PRACTICES ACT for the consumers.

You might also be interested in going through the laws of FDCPA drafted in this site.

Regards
Roxette

yes, roxette, of course no collection agency should use abusive or harassing methods. however, thing in the fdcpa states a collector can't use a debtor's credit status against them. only washington state has a law which says a collector CANNOT threaten a debtor with bad credit. that is just one of the few written laws that is state-specific. there are others which i will disclose as time goes by.

That tactic really tickles me since third party agencies cannot touch anybody's credit report. Besides, I've looked at credit reports myself, and being in collections does not necessarily mean train-wreck credit. I've seen some student loan defaulters with some really sexy credit scores. I'm talking 920 which is about 140 points higher than mine!

i've been in 3rd party collections for over 5 years. we have the authority to report to one's credit report, and we have the authority to take it off!! we can also look them up. believe it. it's true.

i've never heard of a credit score as high as 920. i thought it topped out at 850?

It really is beyond me! But I did in fact see this as an Experian score.

credit score of 920 :o

With these scores, the lenders also become lenient to them no matter, they might have defaulted on something.

If someone gets a judgement against you and stops collection can they start it again when ever they want. I have a collection company coming after me for the third time. Both times before they were asked to stop by the person that hired them, and then asked by the same person to restart collection.

I have an attorneys office attempting to collect a debt happen almost 4 years ago. what is the status of limitation in north carolina and washington state. Can I still renegotiate payment on this debt once it ended up in the attorneys or debt collection agency.

SOL in NC is 3 years & WA is 6 years. More details please.

I just got word out of the blue on a car debt that I thought was covered by gap insurance. It has been six years since I was in the accident that totaled the car. When does the clock start on the Statute Of Limitation begin and can it be restarted at any time?

IN WASHINGTON STATE

yes in Washington State

The collection agency had a court date, said we could get an extension and so we wrote the letter to the court and the attorneys. We didn't hear anything and thought we were okay. Then yesterday, they took all the money out of our checking account. The bank wrote us a letter but we never received anything from the attorneys. Is this legal in Washington State?

Who can recommend collection agency with flat rate, please? Recent judgement, amount about $4K

Can a credit company get a judgement against you and your home in the state of Washington?