Legal Question in Credit and Debt Law in Washington
Debt Verification and Interest
I denied owing a sum to collection
agencies and asked for proof. They did not
provide it, but the balance keeps jumping
higher and they reported me as living in
Nevada, not Washington where I currently
reside. Is this legal? The credit card was
obtained in another state. Which statute
applies?
1 Answer from Attorneys
Re: Debt Verification and Interest
The statue you need to review is the Fair Credit Collections Act. Their actions by refusing to acknowledge your denial of the validity of the alleged debt are not "illegal" per se, but the issue is likely dragging down your credit score. Google for FCCA, see what you find, and file a complaint with Washington's Attorney General regarding the collector.
As always, it is vastly more effective to do this in writing.
Hope this helps - Powell
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