Read this to understand debt collection practices and your rights when dealing with debt collectors. Includes form letters you can use to mail to debt collectors requesting that they stop contacting you.
Debt collection, debt management, debt relief, debt settlement… Debt is a four-letter word that’s the subject of some complex laws. Learn how to exercise your rights under the Fair Debt Collection Practices Act — and how to recognize debt-related scams and frauds.
CENTS is a 501(c)(3) non-profit organization and was co-founded in 1995 by Federal Bankruptcy Judge Karen A. Overstreet and leading members of the Washington bankruptcy bar. CENTS is funded by foundation grants, special events, and individual contributions.
CENTS is affiliated with the King County Bar Association and has created programs with the support of the Washington Attorney General’s Office, the Washington State Department of Financial Institutions, Foundation for Financial Planning Seattle Foundation, and the Consumer Protection and Education Fund.
The Office of Jason Wilson-Aguilar, Chapter 13 Standing Trustee for the Seattle Division of the Western District of Washington.
Northwest Consumer Law Center advances economic justice by providing direct legal representation to low and moderate income Washington residents. Services are provided on a sliding scale fee based on income or contingency fee arrangement.
Every 1st & 3rd Thursday of the month at the Federal Courthouse
700 Stewart Street
Room 6101 (6th Floor)
Seattle, WA 98101
No appointment necessary; walk-in clinic
Focused on pro-se (unrepresented) bankruptcy filing and related questions. In order to qualify for the clinic, your household gross monthly income is 200% of the Federal Poverty Level or lower.
- Consumer protection
- Mortgages and foreclosure
- Student Loan Forgiveness
- Car sales
- Debt Collection
Due to public health concerns and until further notice, the DCDC clinic will NOT be meeting in person. Instead, users can contact the clinic via telephone at 206-707-0934 – during the same hours listed below.
- Call between 12:00-1:00pm on Tuesdays to to be screened for eligibility
- You will receive a return call between 1:00-3:00pm
- 30-minute meeting
- No appointment necessary
- Focused specifically on low-income debtors with questions about debt collection, abusive collection practices, garnishment and medical debts
- Sponsored by the Northwest Justice Project
At all other times, the DCDC front desk can be reached at 206-464-1519 for screening