Debt collector and FDCPA help in ZIP code 98223
98223 covers part of Arlington in Snohomish County, Washington. Here is who serves this area and what you can do today without hiring anyone.
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Your rights against debt collectors in ZIP 98223 (Arlington, WA)
- ZIP 98223 is part of Arlington in Snohomish County, Washington.
State law on top of the FDCPA
People in ZIP 98223 (Arlington, WA) are protected by the federal Fair Debt Collection Practices Act and by Washington's own Washington Collection Agency Act (RCW 19.16). State laws can cover original creditors too, not just collection agencies.
Legal calling hours here
Collectors may not call before 8:00 a.m. or after 9:00 p.m. your local time (§ 1692c(a)(1)). ZIP 98223 (Arlington, WA) is on Pacific time — note the exact time of every early or late call. Log calls for free.
Small claims court
Washington small claims courts commonly hear cases up to about $10,000. FDCPA claims can also be filed in federal court, where the law lets you recover attorney's fees. Your local court is the Snohomish County court. Limits change, so confirm with the court clerk before filing.
Where to complain
File with the CFPB and the Washington Attorney General. See our complaint guide.
Sources you can check
- Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692–1692p (Cornell Legal Information Institute)
- Regulation F, 12 C.F.R. Part 1006 (CFPB)
- FTC debt collection FAQs
- Washington Collection Agency Act (RCW 19.16) — look up the official text
- Washington Attorney General (National Association of Attorneys General)
Last reviewed: by the StopAndDesist editorial team. General information, not legal advice.
Stop the calls first
A written cease and desist under FDCPA §1692c(c) requires a collector to stop contacting you. You can send one today.
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