I've been getting calls from a collection agency for a few weeks now, sometimes multiple times a day. I finally looked into it and found out Wyoming doesn't even have its own state debt collection law, so everything falls under the federal FDCPA. That guide broke down the basics: no calls before 8am or after 9pm, they have to send a written validation notice within 5 days, and they can't threaten arrest or talk to your family about the debt. Also learned Wyoming's statute of limitations is 10 years for written contracts, which is way longer than most states. Sharing in case anyone else is going through this. The link below is what helped me understand what collectors can and can't do here. Anyone else have experience fighting back against these calls?



https://protectionforconsumers.com/wyoming-fair-debt-collection-practices-act-guide/