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Suing Abusive Collectors under FDCPA on behalf of Washington Consumers

We are a Washington consumer law firm offering clients from Vancouver to Seattle the opportunity to get even with abusive collectors. We maintain offices in both Seattle and Vancouver, Washington. Our firm believes so strongly in litigating issues with abusive creditors that we charge our clients nothing to retain us and file a case. We front the court filing fees for our clients so that price is not an obstacle to making things right. 

Any debt collector who crosses the line in attempting to collect a consumer debt can be sued in a Washington federal court for damages under a law called the Fair Debt Collection Practices Act (FDCPA).

If your common sense tells you that what the debt collector was less than honest, fair, dignified, and respectful, it was probably a violation. We can help you fight back.  Call us today to speak with a Washington consumer lawyer and get a free phone consultation on your case.

The Fair Debt Collection Practices Act speficifies that any debt collector who violates your rights may be made to pay you statutory damages of up to $1,000, actual damages, and attorney's fees and costs,  If we agree to represent you in an FDCPA case, you won't pay any attorney's fees unless there is a reconvery from your collector.  

Again, our firm sues abusive debt collectors and does not charge clients anything up front before doing so. If you have been contacted by a debt collector, please contact us now. There are steps that need to be taken in order to protect your right to recover. Unfortunately there are stringent time limitations for filing suit under the FDCPA so it is really important that you not put off thoroughly investigating and preserving your rights. 

What Makes Our FDCPA Law Firm DIfferent

  • We enjoy an 'A+' rating from the Better Business Bureau.
  • Each of our attorneys has practiced in the area of consumer rights for well over a decade
  • We offer free consultations
  • We pay the up-front filing fees to get your FDCPA case to court
  • You pay nothing in the way of attorney fees unless you win
  • We are members of the National Association of Consumer Advocates
  • We are members on the National Association of Consumer Bankruptcy Attorneys
  • We file FDCPA cases on behalf of consumers in every county in Western Washington, including Pierce, King, Clark, Cowlitz, Skamania and Kitsap counties 
  • We have been helping people with debt problems for over a decade
  • We provide our clients with free materials to use to protect their future rights under the FDCPA
  • We enjoy an 'Excellent' rating from Avvo
  • We convenient locations in both Seattle and Vancouver with abundant free parking

 

The Fair Debt Collections Practices Act in Washington

The Fair Debt Collection Practices Act—or FDCPA—is a federal law that prohibits debt collectors
from using harassing, abusive, and deceptive practices when collecting a debt. In passing the FDCPA, Congress recognized that illegal debt collection tactics create four major problems for Washington consumers:

• loss of jobs;
• marital instability;
• unnecessary bankruptcy filings; and
• invasions of personal and financial privacy

Congress designed the FDCPA to give consumers the right to hold debt collectors that violate the FDCPA accountable for their illegal conduct. The fact that you may really owe a debt does not mean that a collector has any right to harass you. Again, even if you really owe the debt, you can still sue a debt collector that violates your rights under the FDCPA.

It's important to understand two crucial apsects of the FDCPA. First, it only applies to
consumer debts that were incurred for personal, family, or household purposes. In other words, business debts are not covered by the FDCPA. Second, the FDCPA only applies to someone who is collecting the debt of another. For example, if you have an unpaid Capital One credit card and Capital One themselves is trying to collect the debt, they aren't collecting the debt of another and the FDCPA doesn't apply.

With those two things in mind, it is a violation of the FDCPA if a debt collector takes any of the following actions:

  • lies or misleads you;
  • yells, shouts, swears, calls you names, or uses racial slurs;
  • calls your friends, family, co-workers, or neighbors and tells them that you owe a debt
  •  threatens to sue you or garnish you when they have no intention to do so
  • calls you at work after you've told them not to
  • tells you that you can be arrested or go to jail if you don't pay the debt
  • calls you when they know you have a lawyer
  • threatens you with violence
  • calls you—or even just causing your phone to ring—repeatedly
  • any other conduct that is unfair, untrue, undignified, or disrespectful.

If a debt collector violates the FDCPA, you have the right to sue them, and if you win the case, receive up to $1,000.00, plus any actual damages that you've suffered. And the debt collector must pay your attorneys' fees and any out-of-pocket costs. In other words, if you win your case, you get $1,000, any provable actual damages, a free lawyer, and your litigation costs paid for.

If you're getting debt collection calls or letters, here are a few things you should do to protect your rights:

  • Save every single letter you get from a debt collector, including the envelope, no matter how innocent that letter may appear
  • Remember to take detailed notes of every conversation you have with a debt collector. Ask us for our free collection activity form and feel free to make more copies. Include notes of anything that just doesn’t feel right to you
  • Save every voice-message left by a debt collectors
  • When you come in for an appointment bring in your debt collector contact records with you.  We can help figure out whether a debt collector has violated the FDCPA. If they have, we can discuss whether suing them is a good option for you.

Serving consumers with Fair Debt Collections Practices Act throughout the states of Washington and Oregon including Seattle,  ballard, Shoreline, Fremont, Wallingford, Magnolia, Queen Anne, Edmonds, Lynnwood, West Seattle, Lake City, Bothell, Wedgewood, University District, Crown Hill, Laurelhurst, Windermere, King County, Snohomish County, Pierce County, Island County and the communities of Bellevue, West Seattle, Burien, Renton, Lynnwood, Moutlake Terrace, Edmonds, Lake City, Mill Creek, Bothell, Woodinville, Redmond, Kirkland, Issaquah, Kent, Auburn, Federal Way, Capitol Hill, Tacoma, Mukilteo, Monroe and clark county

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