The Fair Debt Collection Practices Act (FDCPA) prohibits harassment or abuse in collecting a debt such as threatening violence, use of obscene or profane language, publishing lists of debtors who refuse to pay debts, or even harassing a debtor by repeatedly calling the debtor on the phone. This Act sets forth strict rules regarding communicating with the debtor.
The collector is restricted in the type of contact he can make with the debtor. He can't contact the debtor before 8:00 a.m. or after 9:00 p.m. He can contact the debtor at home, but cannot contact the debtor at the debtor's club or church or at a school meeting of some sort. The debtor cannot be contacted at work if his employer objects. If the debtor tells the creditor the name of his attorney, any future contacts must be made with the attorney and not with the debtor.
Title: Washington Letter Informing Debt Collector as to Days and Time Collector May Contact Debtor: Guidelines and Variations Introduction: In Washington state, debt collectors are subject to specific regulations regarding their communication with debtors. One key requirement is for the debtor to provide written instructions to the debt collector, specifying the days and times they can be contacted. Key Terms: Washington, Letter, Informing, Debt Collector, Days, Time, Contact, Debtor I. What is a Washington Letter Informing Debt Collector? A Washington Letter Informing Debt Collector is a written communication from a debtor to a debt collector, explicitly stating the specific days and times during which the debtor can be contacted regarding the repayment of a debt. These letters inform debt collectors about the debtor's preferences while ensuring compliance with the Washington State laws. II. Guidelines for Writing a Washington Letter Informing Debt Collector: When drafting a Washington Letter Informing Debt Collector, it is essential to include the following elements: 1. Debtor's contact information: Provide your full name, address, phone number, and any other relevant contact details. 2. Effective Date: Clearly state the effective date of the letter to ensure the debt collector adheres to your specified timeline. 3. Express Instructions: Specify the days and times the debt collector can contact you. For instance, you may limit communication to weekdays only or indicate a specific time range (e.g., from 9 am to 5 pm). 4. Preferred Communication Method: Indicate your preferred method of communication, such as phone calls, letters, or emails. 5. Third-party Authorization (if applicable): If you have authorized a third-party representative, include their contact information and specify their role in handling debt-related communication. 6. Signature: Sign and date the letter to validate its authenticity. III. Variations of Washington Letter Informing Debt Collector: There may be different types or variations of the Washington Letter Informing Debt Collector, depending on specific circumstances or personal preferences. Some common variations include: 1. Permanent Restriction: This letter establishes a permanent restriction, specifying the days and times when the debt collector can communicate, with no expiration date. 2. Temporary Restriction: This letter limits communication for a specific period, such as during work hours or holidays, after which regular communication can resume. 3. Written-Only Communication: The debtor may opt for written communication only, prohibiting any verbal interaction. 4. Limited Communication Channels: This variation limits the means of communication to a specific channel, such as email or postal mail, excluding phone calls. Conclusion: Writing a Washington Letter Informing Debt Collector as to Days and Time Collector May Contact Debtor is an important step in establishing boundaries for debt collection communication. By providing specific instructions, debtors can assert their rights while ensuring compliance with Washington State laws. Remember to consult legal advice or resources for accurate information and personalized guidance.
