Debt Collection Harassment Defense in Washington
If you are facing debt collection harassment, understanding your rights and the laws that protect you is crucial. At Hogue Law Firm, we provide experienced legal representation for individuals dealing with unfair or illegal debt collection practices in Spokane and throughout Washington State.
Understanding Debt Collection Harassment
Debt collection harassment occurs when debt collectors use aggressive, deceptive, or abusive tactics to collect a debt. Common examples include constant phone calls, threatening language, misrepresentation of the debt, or contacting you at unreasonable times. Such harassment not only causes stress but is also often illegal.
Federal Protection: The Fair Debt Collection Practices Act (FDCPA)
The Fair Debt Collection Practices Act (FDCPA) is a federal law that sets strict guidelines on how debt collectors can communicate with consumers. Key protections under the FDCPA include:
Prohibition of abusive, deceptive, or unfair debt collection tactics
Restrictions on calling times (generally between 8 a.m. and 9 p.m.)
Requirement to identify themselves and provide verification of the debt upon request
Ban on contacting third parties about your debt, except to locate you
Prohibition on threatening violence or legal action that they cannot take
If a debt collector violates the FDCPA, you have the right to take legal action and seek damages.
Washington’s Collection Agency Act (CAA)
Washington State’s Collection Agency Act complements federal protections by regulating debt collection practices at the state level. The CAA requires collection agencies to be licensed and prohibits practices such as:
Harassment or abuse in debt collection
Misrepresentation of the amount or legal status of a debt
Collecting unauthorized fees or interest
Threatening arrest or legal action without authority
The CAA helps ensure fair treatment during debt collection and holds violators accountable.
Washington’s Consumer Protection Act (CPA)
The Washington Consumer Protection Act provides broader consumer rights protection against unfair or deceptive business practices, including debt collection. The CPA allows consumers to:
Sue for injunctive relief to stop unfair practices
Recover actual damages and attorney fees
Address deceptive or unfair conduct even if not explicitly covered by other laws
The CPA is a powerful tool to combat unlawful debt collection harassment.
How Hogue Law Firm Can Help
If you are being harassed by debt collectors, you do not have to face it alone. Our skilled attorney will:
Review your situation and identify any legal violations
Advise you on your rights under the FDCPA, CAA, and CPA
Communicate with debt collectors on your behalf to stop harassment
Pursue legal claims to recover damages and protect your interests
We are dedicated to protecting consumers in Spokane and across Washington from abusive debt collection practices.
Contact Us for a Free Consultation
If you believe you have been a victim of debt collection harassment, contact the Hogue Law Firm today for a confidential consultation. We are here to defend your rights and help you put an end to unlawful debt collection tactics.