Per RCW 19.16; 15 USC 1692:\r
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The first time a collection agency contacts you, it must give its name and address, and the name of the original creditor (the business or person you owe money to). It must also tell you in writing the amount of the debt and any fees which have been added, such as interest or collection fees. You must also be informed of your right to dispute the information.\r
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If you have an attorney, the law prohibits a collection agency from contacting anyone other than your attorney. If you do not have an attorney, the agency can contact other people only to find out where you live or work. The collector cannot tell these people that you owe money. In most cases, the collection agency can contact another person only once. These same rules apply to contact with your employer.\r
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-A collection agency cannot call or write to you more than three times a week. Only one of those calls can be at work. You cannot be called between 9 pm and 8 am.\r
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-A collection agency cannot harass, intimidate, threaten, or embarrass you.\r
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-A collection agency cannot threaten violence, criminal prosecution, or use offensive language.\r
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-If you send a written statement requesting a collection agency to stop, it cannot continue to call or write to you to demand payment.\r
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If you suspect that the Century agency has contacted you, and any of the above requirements have not been met, you are encouraged to contact your state's Attorney General's office for further information and/or assistance.
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