360-748-0420

Here is the link to the Wa. St. Leg (BILL 2114)

http://apps.leg.wa.gov/documents/billdocs/200 ... 0Bills/2114.pdf


RCW 19.16.250
Prohibited practices.


http://apps.leg.wa.gov/RCW/default.aspx?cite=19.16.250


RCW 19.16.440
Violations of RCW 19.16.110 and 19.16.250 are unfair and deceptive trade practices under chapter 19.86 RCW.

http://apps.leg.wa.gov/RCW/default.aspx?cite=19.16.440


State of Washington 60th Legislature 2007 Regular Session
By Representative Dunn
Read first time 02/08/2007. Referred to Committee on Insurance,
Financial Services & Consumer Protection.
1 AN ACT Relating to the definition of collection agency; and
2 amending RCW 19.16.100.
3 BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF WASHINGTON:
4 Sec.

You need to send this request via a certified mail and request a return receipt. If you want to allow calls only between 5pm and 6pm, tell them about it in the letter. By law collection companies are required to respect your privacy and will have to cease all phone calls to your home, relatives, neighbors, and work.

Once you have their claims in writing it’s easier to seek legal help, and keep records of your correspondence.

Send all your responses to bill collectors via Certified Mail. This way you will have proof of receipt by the addressee.

Remember that the amount they claim you owe is negotiable. You can negotiate the total amount due, number of payments, and the payment deadline. Once you worked out the payment plan, request it in writing.

What a debt collector CANNOT do:

 * Use deceptive practices. For example, threaten you with arrest or  trick you into paying for collection calls.
 * Use obscene language.
 * Call you at work after you tell them that your boss does not approve these calls.
 * Deny you the right to receive a written notice (within five days after your first phone conversation) that would tell you how much you owe and the name of the creditor that says you owe the money. If you do not receive the notice within five days, call the collection agency and ask for its address and fax number. Then, send a letter to the collector noting its failure to send you the required notice. As a minimum, make a note in your file.
 * Refuse to give its name and the name of the collection company when asked.
 * Put a debt on your credit report if you file a dispute. It must validate the debt by obtaining a verification of the debt or a copy of a judgment from the creditor before continuing their collection efforts. The results of the investigation must be mailed to you.

For more information on Fair Debt Collection visit http://www.ftc.gov/bcp/conline/pubs/credit/fdc.shtm

Dynamic collectors

Harassment phone calls at my job.

Loretta Johnson called for Josiah. Her # is 360.748.0420. She said it is in regards to a personal matter.

DCI  Debt Collector Inc

I think it probably is a collection agency and they can bite me.

See Ripoff Report on Dynamic Collections in Chehalis, WA.

Dynamic Collections, left a message on my cell phone for someone I do not know. Oddly they have not called on my home phone, which is the one normally used by me.