Creditor Harassment

by


Ongoing debt problems can cause a person considerable stress, let alone the incessant phone calls and notices from debt collectors. And while not all collector calls and notices are unwarranted, certain agencies may employ illegal practices in their attempts to collect on a debt. Fortunately, consumers do have certain protections in place thanks to the Fair Debt Collection Practices Act enacted in 1978.

Within the United States, each state has specific laws regarding debt collector practices and abuse. Anyone experiencing undue harassment from a collector can take action by contacting their State Attorneys General Office. Illegal practices to look out for have to do with the types of correspondence or notices sent, phone communication practices and debt collectors misrepresenting who they are.

Creditor Harassment Laws


Phone Communications

The Fair Debt Collection Practices Act sets certain guidelines in place for debt collectors to follow when initiating any type of contact with a consumer or debtor. These guidelines are designed to protect consumers from being harassed regardless of the extent of the debt involved.

Phone communication guidelines spell out who collectors can contact, under what conditions these contacts can be made and any possible exceptions or extenuating circumstances. In effect, collectors must have prior consent from the consumer to contact the consumer directly. When the courts have become involved, court jurisdiction supersedes consumer consent so collectors may receive permission from the court to contact a consumer directly.

Federal and state laws also spell out guidelines regarding when a debt collectors can initiate phone contacts with a consumer. These laws prevent collectors from phoning consumers at unusual times and at inconvenient places. In general, permissible times for collectors phone contacts must take place between the hours of 8AM and 9PM based on local times within the consumer's location.

In terms of inconvenient places, collectors are prohibited from contacting a consumer at their place of work in cases where the consumer's employer discourages phone calls during working hours. So the 8AM to 9PM guideline does not apply during work hours under these conditions.

When a consumer is being represented by an attorney, laws require debt collectors to direct all phone contacts to the attorney's office unless the attorney consents to direct contacts between the collector and the consumer. In cases where the attorney ignores a collector's attempt to contact them by phone, a collector (depending on state laws) may have the option of contacting the consumer directly.

Guidelines on Communications Involving Correspondence

It's not uncommon for debt collectors to send consumers notices regarding an existing debt, sometimes on a frequent basis. Not unlike the guidelines put in place for phone communications, guidelines for written correspondence are fairly clear and straightforward in terms of what collectors can and cannot do. As far as written communications are concerned, these guidelines include any correspondence sent to the consumer, as well as to the consumer's spouse, the consumer's parents or anyone assigned as an executor or administrator of a consumer's financial affairs.

Written correspondence regarding a debt can only be sent to certain designated recipients -

a) Directly to the consumer (includes spouses, parents and executors)
b) To the consumer's attorney
c) To the creditor involved
d) To the creditor's attorney
e) To the debt collector's attorney
f) To consumer reporting agencies (unless state laws prohibit it)

Debt collectors are prohibited from sending written correspondence to consumers in cases where a person has sent written notification to a collector of their refusal or inability to pay a debt. Consumers can also send written notification requesting all future communications from collectors cease. Collectors are considered notified as soon as they receive the notification, be it sent by mail or hand delivered.

Debt collectors can however send certain types of correspondence to the consumer in response to any written notifications received. Collectors can send correspondence regarding any standard remedies or solutions normally used by the collection agency in cases where a person is unable to pay on a debt. Collectors can also send correspondence stating their intention to employ a specific remedy. The only other instance where a collector can send correspondence is to notify a consumer that any further collection attempts will cease.


Harassment Violations

A debt collector's success in collecting on debts is oftentimes directly tied to their paycheck. Some collection agencies require collectors to meet certain quotas in terms of the number of collections they get within specified time periods, while others may receive bonuses for meeting or exceeding a certain quota. As a result, some collectors may resort to less than ethical practices in order to meet or exceed their quota.

Harassment violations have to do with any practices used by debt collectors that can be construed as oppressive or considered outright abuse. This means a collector who harasses a consumer in any way is in violation of the Fair Debt Collection Practices Act. Harassment in this sense is really no different in effect than any other context where threats, violence or verbal abuse are used to coerce another person.

Aggressive tactics used by debt collectors, such as the use of profane language while on the phone is considered abusive in the eyes of the law. Any threats of violence made towards a person -be it bodily harm, harm to their reputation or property damage- is considered a harassment violation. Repeated phone contacts intended to annoy or brow-beat a consumer are also prohibited.

Phone calls made several times throughout the day or week, intended to keep a person's phone ringing are considered abusive. Even in cases where the consumer is answering the phone, engaging him in repeated conversations regarding an outstanding debt is still considered a law violation.

Other attempts to harass a consumer can take the form of threatening to publish the names of the people who refuse to pay on their debts. With the exception of sending a list of names to a consumer reporting agency, publishing or threatening to publish a list of names violates the Fair Debt Collection Practices Act.

Another way a debt collection agency may try to coerce consumers involves putting a consumer's debt up for sale in an advertisement. This practice not only "publishes" a person's debt but is also intended to shame or coerce a person into paying on a debt.

Rules Against Deception

The more information a debt collection agency has about a consumer the better they can target their attempts to collect on a debt. In some instances, an agency representative may attempt to gather information by disguising who they are or disguising the purpose for a phone call or piece of correspondence sent. For these reasons, laws against the use of deceptive practices require debt collectors to disclose who they are and the reason for any contacts made with a consumer.

Misrepresentation on the part of a debt collector can take the form of implying a particular agency is affiliated with federal or state governments. This includes phone conversations as well as any badges or seals that may appear on a collection agency's correspondence. False statements that imply a government agency has approved or authorized any action taken on a collection agency's part is also illegal unless issued through the court system.

Attempts at misrepresentation can also appear as correspondence from an attorney's office rather than from a collection agency. In both instances, the practice of misrepresentation is viewed by the law as an intention to scare and coerce consumers into paying.

Deceptive collector practices also include any attempts to falsely represent a person's debt in terms of the amount of debt owed or legal consequences resulting from the debt. So a collector who claims a consumer has committed a crime or is at risk of going to jail for nonpayment of a debt is in violation of the law. Threats to seize a property, sell a property or garnish a person's wages without a court order in place also violates a consumer's rights under the law.

Threatening to take a legal action with no intentions of doing so is another form of creditor harassment. This includes threatening to take legal actions that can't legally be taken. Examples of illegal threats or claims include -

a) Attaching fictitious consequences to the sale of a consumer's debt to another agency or party
b) Telling consumers they will lose any claim to payments already made towards a debt in the event of a debt sale or transfer
c) Telling consumers they will relinquish all rights under the law (Fair Debt Collection Practices Act ) once their debt has been sold or transferred

Misrepresenting a consumer's credit information in the course of a phone conversation or written correspondence is another deceptive creditor practice that violates the law. Misrepresented information can take the form of exaggerated claims regarding how a debt will affect a person's credit score and its effects on a person's credit status.

On the flip side, a creditor may intentionally give a consumer the impression that an existing debt is not being disputed in cases where a dispute is already in place or ongoing. This can also take the form of misrepresenting actual legal documents that require a consumer to take some form of action. In effect, misrepresenting a legal document is an attempt to prevent a consumer from taking action that may be to the consumer's benefit.

Communications With Third Parties

It's not uncommon for a debt collector or creditor to make contact with a person's friends, family or employer as a way to gather information on the person in debt. Since it's against the law to publicize or inform third parties of a person's financial situation, the Fair Debt Collection Practices Act sets clear guidelines on how collectors must conduct themselves when making contact with a third party. Any breaches in conduct are considered law violations.

When contacting a third party, creditors must identify themselves in a way that doesn't reveal the consumer's debt obligation. Basically, this means creditors can only request or confirm location information regarding a debtor when speaking with a third party. Creditors cannot reveal who they work for unless the person they're calling specifically requests the name of they're employer. Under no circumstances should a creditor reveal or imply that the person they're calling about is in debt.

The frequency of phone contacts is restricted to once per person (per third party) unless the person has given a creditor permission to contact them more than once. Creditors may contact a third party more than once in cases where the creditor suspects the person provided incomplete information and may have more information in the future.

Any written correspondence sent to third parties must also follow certain guidelines under the law. Written correspondence cannot imply in any way that a debt collection is in process. This means the company name cannot include any inference that a debt collection agency is involved or contain any debt-related implications. Under no circumstances should creditors send post card correspondence.

In the case where a consumer has attorney representation, any and all written correspondence must go through the attorney's office unless otherwise arranged. If an attorney fails to respond to a creditor's correspondence, the creditor may then be able to use third party sources if state law allows.

Correspondence Guidelines & Timelines

The Fair Debt Collection Practices Act requires creditors to send written notification of a debt within five day after the initial phone contact with the consumer is made. Written notification must contain specific information regarding the debt and actions to be taken by the consumer in the near future. The notice must state the amount of the debt and in the case of a debt collection agency, the name of the actual creditor involved.

By law, a consumer has the right to dispute a debt claim within a certain period of time, so written notifications from creditors must include a statement to this effect. This statement must also make it clear that the creditor can consider a debt to be valid if a consumer does not submit a dispute on the claim within the designated time period.

In cases where a consumer does submit a dispute on a debt claim, the creditor must provide documentation that verifies the debt, whether it be a creditor notice or a copy of court order. For debt collection agencies, the agency must also provide the name and address of the original creditor in response to a consumer dispute.

Any information contained in a written notification cannot give the impression that anyone but the actual creditor or debt collection agency involved is the issuer of the notice. So a creditor or agency can include all the required information in a notice and still be violating the law if they misrepresent the parties involved.

Property-Related Guidelines

Guidelines regarding creditor collection practices for debts involving property or a consumer's interest in a property apply in states where the court system has jurisdiction over property-debt claims. Some state laws allow creditors to sue consumers directly over an unpaid debt, in which case these guidelines would not apply.

Property-related guidelines are closely aligned with judicial court districts so the laws in each area dictate much of what creditors can and cannot do. When property debts are involved, only the actual creditor can file suit against a consumer, so debt collection agencies do not hold a right to file suit.

In cases where a creditor files suit against a consumer over a property-related debt, all legal actions must go through the local court system or the court that has jurisdiction over the area where the property is located. Creditor lawsuits may also take place in the jurisdiction where the consumer actually signed the property contract. In some cases, the location where a consumer lives when the suit is first filed determines which jurisdiction will preside over the claim.

A creditor who threatens to repossess a property within a court-run jurisdiction is in violation of state law. In spite of the property's role as collateral within a mortgage contract, creditors have no rights of possession outside of court-ordered rulings. In effect, these practices are baseless threats intended to harass and scare consumers into paying towards a debt.

Payment Guidelines

Payments made to a creditor or debt collection agency are also protected under the Fair Debt Collection Practices Act. Any collections obtained through unfair or unethical practices are considered a violation of state and federal laws. Unfair practices entail collecting for extra services, interest or fees tacked on to the principal debt amount in cases where a creditor has no right to do so. Any legitimate charges must appear in the original contract agreement signed by the consumer.

When check payments are involved, creditors are prohibited from accepting checks with postdates that exceed the five-day mark, except under specified circumstances. Postdates of more than five days are only permitted when the consumer receives written notification stating the creditor intends to deposit the check within three to 10 business days of a specified deposit date in the future.

Creditors are prohibited from requesting a postdated check when their purpose is to threaten or coerce a consumer into paying down a debt. Creditors are also prohibited from depositing a postdated check prior to the date listed on the check when the consumer has followed all legal guidelines.

Unlawful Procedures

Unlawful procedures used within collection practices have to do with actions or procedures designed to mislead consumers in subtle ways. As phone communications and notices sent via telegram are common practices within the debt collection industry, not informing consumers of related charges, such as charges from collect telephone calls and telegram fees is a violation of a consumer's rights.

Unlawful procedures can also become an issue if creditors don't follow guidelines when sending written correspondence to the consumer. As the content of a postcard are clearly visible to all who see it, creditors are prohibited from listing any debt information on a postcard. Laws against publicizing a person's debt require debt collectors to ensure that mailed envelopes only list the company's name and address and no information that identifies them as a debt collection business.

A creditor's handling of payment amounts received must also follow certain procedures under the law. Consumers have the right to dictate how a payment will be applied once it's received by a creditor or debt collector. This means a creditor cannot apply any portion of a payment towards a debt that's currently under dispute; even in cases where a consumer is paying on multiple debts through a single creditor or collection agency.

Penalty Guidelines

Under the law, a consumer has the right to file suit against a creditor or debt collection agency suspected of violating any of the guidelines contained within the Fair Debt Collection Practices Act. Any creditor or agency found guilty may face penalty charges based on the circumstances of the lawsuit. Penalty charges can vary depending on a range of factors, some of which include -

a) The amount of damage caused to the consumer
b) The number of violations involved and the degree to which a creditor persisted in violating one or more guidelines.
c) Whether or not a creditor intentionally violated legal guidelines and the degree to which said violations were made
d) The number of people adversely affected (i.e. spouses and children) by any violations made

Penalty charges typically involve money amounts awarded to the consumer and anyone else adversely affected by a creditor's actions. In general penalty charges allow for -

a) Up to $1,000 per individual involved in carrying out a violation
b) Up to $500,000 or one percent of a creditor's or collection agency's net worth for class action suits
c) Attorney's fees
d) Any attorney's costs associated with the case If a court finds a creditor unintentionally carried out a violation or violations, the creditor cannot be held liable for penalty charges related to a particular violation.

As credit collections can be a competitive business, it's not uncommon for practices involving harassment and unethical procedures to exist within the industry. In many cases, creditors and agencies that follow these practices do so on the assumption that a consumer has no knowledge of their rights or the laws put in place to protect them. So it's always best to know your rights whenever you suspect a creditor or collection agency is engaging in unlawful practices.


Most states have specific laws relating to debt collector abuse. Below are the list of states along with the specific Statute relating to creditor harassment. If you feel you are being harassed by a creditor, please contact your State Attorneys General Office for more information on how to take action.

Alabama Attorney General's Office: - (Ala. Code § 40-12-80)
501 Washington Ave. P.O. Box 300152,
Montgomery, Alabama 36130-0152.

Telephone: (334) 242-7300. Website: .


Alaska Attorney General's Office: - (Alaska Stat. §§ 08.24.041 – 08.24.380; §§ 45.50.471 to 45.50.561)
P.O. Box 110300,
Juneau, Alaska 99811-0300.

Telephone: (907) 465-2133. Website: .


Arizona Attorney General's Office: - (Ariz. Rev. Stat. Ann. §§ 32-1001 to -1057)
1275 W. Washington St.,
Phoenix, Arizona 85007.

Telephone: (602) 542-4266. Website: .


Arkansas Attorney General's Office: - (Ark. Stat. Ann. §§ 17-24-101 to -404)
200 Tower Bldg., 323 Center St.,
Little Rock, Arkansas 72201-2610.

Telephone: (800) 482-8982. Website: .


California Attorney General's Office: - (Cal. Civ. Code § 1788-1788.32, 1812.700-1812.720
1300 I St., Ste. 1740,
Sacramento, California 95814.

Telephone: (916) 445-9555. Website: .


Colorado Attorney General's Office: - (Colo. Rev. Stat. §§ 5-1-101 to 5-12-105; see also Colo. Rev. Stat. § 12-14-101 to -137)
1525 Sherman St.,
Denver, Colorado 80203.

Telephone: 303-866-4500. Website: .


Connecticut Attorney General's Office: - (Conn. Gen. Stat. §§ 36a-645 – 36a-647; Cnn. Gen. Stat. §§ 36a-800 – 36a-810)
55 Elm St.,
Hartford, Connecticut 06141-0120.

Telephone: (860) 808-5318. Website: .


Delaware Attorney General's Office: - (Del. Code Ann. tit. 3, § 2301(a)(13)
Carvel State Office Bldg., 820 N. French St.,
Wilmington, Delaware 19801.

Telephone: (302) 577-8338. Website: .


District of Columbia Attorney General's Office: - (D.C. Code Ann. § 28-3814 – 28-3816; D.C. Code Ann. §§ 28-3901 – 28-3909)
John A. Wilson Building, 1350 PA Ave, NW Suite 409.,
Washington, District of Columbia 20009.

Telephone: (202) 727-3400. Website: .


Florida Attorney General's Office: - (Fla. Stat. §§ 559.55 – 559.785)
The Capitol, PL 01.,
Tallahassee, Florida 32399-1050.

Telephone: (850) 414-3300. Website: .


Georgia Attorney General's Office: - (Ga. Code Ann. §§ 7-3-1 – 7-3-29)
40 Capitol Square, SW.,
Atlanta, Georgia 30334-1300.

Telephone: (404) 656-3300. Website: .


Hawaii Attorney General's Office: - (Haw. Rev. Stat. §§ 433B-1 to -20; Haw. Rev. Stat. §§ 480D-1, et. seq.)
425 Queen St.,
Honolulu, Hawaii 96813.

Telephone: (808) 586-1500. Website: .


Idaho Attorney General's Office: - (Idaho Code §§ 26-2222 – 26-2251)
Statehouse.,
Boise, Idaho 83720-1000.

Telephone: (208) 334-2400. Website: .


Illinois Attorney General's Office: - (225 Ill. Comp.. Stat. 425/1 – 425/25)
James R. Thompson Ctr., 100 W. Randolph St.,
Chicago, Illinois 60601.

Telephone: (312) 814-3000. Website: .


Indiana Attorney General's Office: - (Ind. Code Ann. §§ 25-11-1 to -13; § 24-4.55-107)
Indiana Government Center South - 5th Floor, 302 West Washington Street,
Indianapolis, Indiana 46204.

Telephone: (317) 232-6201. Website: .


Iowa Attorney General's Office: - (Iowa Code Ann. §§ 537.7101 to .7103)
Hoover State Office Bldg., 1305 E. Walnut,
Indianapolis, Iowa 66612-1597.

Telephone: (515) 281-5164. Website: .


Kansas Attorney General's Office: - (Kansas Stat. Ann. § 16a-5-107)
120 S.W. 10th Ave., 2nd Fl,
Topeka, Kansas 50319.

Telephone: (785) 296-2215. Website: .


Kentucky Attorney General's Office: - (Kansas Stat. Ann. § 16a-5-107)
700 Capitol Avenue, Capitol Building, Suite 118,
Frankfort, Kentucky 40601.

Telephone: (502) 696-5300. Website: .


Louisiana Attorney General's Office: - (La. Rev. Stat. § 9:3576.1 to 3576.24; La. Rev. Stat. Ann. §§ 9:3557 to 9:3562)
P.O. Box 94095.,
Baton Rouge, Louisiana 70804-4095.

Telephone: 225-326-6000. Website: .


Maine Attorney General's Office: - (Me. Rev. Stat. Ann. title 32, § 11,001 – 11,054; Me. Rev. Stat. title 9-A, §§ 5-107, -116, -117, -201)
State House Station 6.,
Augusta, Maine 04333.

Telephone: (207) 626-8800. Website: .


Maryland Attorney General's Office: - (Md. Ann. Code Bus. Reg. §§ 7-101 to -502; Md. Comm. Law Code Ann. § 14-201, 202, 203, 204)
200 St. Paul Place.,
Baltimore, Maryland 21202-2202.

Telephone: (410) 576-6300. Website: .


Massachusetts Attorney General's Office: - (Mass. Gen. Laws Ann. Ch.93, §§ 24-28, § 49)
1 Ashburton Place.,
Boston, Massachusetts 02108-1698.

Telephone: (617) 727-2200. Website: .


Michigan Attorney General's Office: - (Mich. Comp. Laws Ann. §§ 339.901 – 339.920; §§ 445.251 – 445.258)
P.O.Box 30212, 525 W. Ottawa St.,
Lansing, Michigan 48909-0212.

Telephone: (517) 373-1110. Website: .


Minnesota Attorney General's Office: - (Minn. Stat. Ann. § 332.31 – 332.50)
State Capitol, Ste. 102.,
St. Paul, Minnesota 55155.

Telephone: (651) 296-3353. Website: .


Mississippi Attorney General's Office - Department of Justice: - no applicable law
P.O. Box 220.,
Jackson, Mississippi 39205.

Telephone: (601) 359-3680. Website: .


Missouri Attorney General's Office: - no applicable law
Supreme Ct. Bldg., 207 W. High St.,
Jefferson City, Missouri 65101.

Telephone: (573) 751-3321. Website: .


Montana Attorney General's Office: - no applicable law
Justice Bldg., 215 N. Sanders.,
Helena, Montana 59620-1401.

Telephone: (406) 444-2026. Website: .


Nebraska Attorney General's Office: - (Neb. Rev. Stat. §§ 45-601 – 45-623; 45-1043 to 45-1058)
State Capitol, P.O.Box 98920.,
Lincoln, Nebraska 68509-8920.

Telephone: (402) 471-2682. Website: .


Nevada Attorney General's Office: - (Nev. Rev. Stat. §§ 649.005 to 649.435)
Old Supreme Ct. Bldg., 100 N. Carson St.,
Carson City, Nevada 89701.

Telephone: (775) 684-1100. Website: .


New Hampshire Attorney General's Office: - (N.H. Rev. Stat. Ann. §§ 358-C:1 to C:4)
State House Annex, 33 Capitol St.,
Concord, New Hampshire 03301-6397.

Telephone: (603) 271-3658. Website: .


New Jersey Attorney General's Office: - (N.J. Stat. Ann. §§ 45:18-1 to 45:6-1)
Richard J. Hughes Justice Complex, 25 Market Street P.O. Box 080.,
Trenton, New Hampshire 08625.

Telephone: (609) 292-8740. Website: .


New Mexico Attorney General's Office: - (N.M. Stat. Ann. §§ 61-18A-1 to -33)
P.O. Drawer 1508.,
Sante Fe, New Mexico 87504-1508.

Telephone: (505) 827-6000. Website: .


New York Attorney General's Office - Dept. of Law: - (N.Y. Gen Bus. Laws §§ 600-603)
The Capitol, 2nd fl.,
Albany, New York 12224.

Telephone: (518) 474-7330. Website: .


North Carolina Attorney General's Office - Dept. of Justice: - (N.C. Gen Stat. §§ 58-70-90 – 58-70-130; N.C. Gen. Stat. §§ 75-50 to -56)
P.O.Box 629.,
Raleigh, North Carolina 27602-0629.

Telephone: (919) 716-6400. Website: .


North Dakota Attorney General's Office: - (N.D. Cent. Code §§ 13-05-01 to -10)
State Capitol, 600 E. Boulevard Ave.,
Bismarck, North Dakota 58505-0040.

Telephone: (701) 328-2210. Website: .


Ohio Attorney General's Office: - no applicable law
State Office Tower, 30 E. Broad St.,
Columbus, Ohio 43266-0410.

Telephone: (614) 466-4320. Website: .


Oklahoma Attorney General's Office: - (Okla. Stat. title 14A, § 5-107)
313 NE 21st Street.,
Oklahoma City, Oklahoma 73105.

Telephone: (405) 521-3921. Website: .


Oregon Attorney General's Office: - (Or. Rev. Stat. § 646.639 – 646.656; §§ 697.005 – 697.095)
Justice Bldg., 1162 Court St.,
Salem, Oregon 97301.

Telephone: (503) 378-4732. Website: .


Pennsylvania Attorney General's Office: - (18 Pa. Cons. Stat. Ann. § 7311; 73 Pa. Cons. Stat. § 2270.1 to .6)
1600 Strawberry Square.,
Harrisburg, Pennsylvania 17120.

Telephone: (717) 787-3391. Website: .


Rhode Island Attorney General's Office: - no applicable law
150 S. Main St.,
Providence, Rhode Island 02903.

Telephone: (401) 274-4400. Website: .


South Carolina Attorney General's Office: - (S.C. Code § 37-5-108)
Rembert C. Dennis Office Bldg., P.O.Box 11549.,
Columbia, South Carolina 29211-1549.

Telephone: (803) 734-3970. Website: .


South Dakota Attorney General's Office: - no applicable law
1302 East Highway 14, Suite 1.,
Pierre, South Carolina 57501-8501.

Telephone: (605) 773-3215. Website: .


Tennessee Attorney General's Office: - (Tenn. Code Ann. §§ 62-20-101 to -126)
425 5th Avenue North.,
Nashville, Tennessee 37243.

Telephone: 615-741-3491. Website: .


Texas Attorney General's Office: - (Tex. Fin. Code §§ 392.001 to .404, 396.001 to .353)
Capitol Station, P.O.Box 12548.,
Austin, Texas 78711-2548.

Telephone: (512) 463-2100. Website: .


Utah Attorney General's Office: - (Utah Code Ann. §§ 12-1-1 to -10; §§ 70C-7-105, -106)
State Capitol, Rm. 236.,
Salt Lake City, Utah 84114-0810.

Telephone: (801) 538-9600. Website: .


Vermont Attorney General's Office: - (Vt. Stat. Ann. title 9, §§ 2451a to 2461)
109 State St.,
Montpelier, Vermont 05609-1001.

Telephone: (802) 828-3173. Website: .


Virginia Attorney General's Office: - (Va. § 18.2.213)
900 East Main Street.,
Richmond, Virginia 23219.

Telephone: (804) 786-2071. Website: .


Washington Attorney General's Office: - (Wash. Rev. Code Ann. §§ 19.16.100 to .950)
1125 Washington St. SE, PO Box 40100.,
Olympia, Washington 98504-0100.

Telephone: (360) 753-6200. Website: .


West Virginia Attorney General's Office: - (W.Va. Code §§ 47-16-1 to -5; 46A-2-122 to -129a)
State Capitol, 1900 Kanawha Blvd., E.,
Charleston, West Virginia 25305.

Telephone: (304) 558-2021. Website: .


Wisconsin Attorney General's Office: - (Wis. Stat. Ann. § 218.04, §§ 427.101 - .105)
State Capitol, Ste. 114 E., P.O. Box 7857.,
Madison, Wisconsin 53707-7857.

Telephone: (608) 266-1221. Website: .


Wyoming Attorney General's Office: - (Wyo. Stat. §§ 33-11-101 to -116; Wyo. Stat. § 40-14-507)
State Capitol Bldg..,
Cheyenne, Wyoming 82002.

Telephone: (307) 777-7841. Website: .


Find out the Statute Of Limitations By State on debt.
Learn how to
Settle Unsecured Bad Debt With Your Creditors.
Learn about Dealing With Debt.
Learn about
Debt Validation on debt.
Learn about
Wage Garnishment Laws By State on debt.