Autofill Legal Washington Collections Forms For Free

If you do not have any income or assets that most creditors can take from you, you are ?collection proof.? If all your income and possessions are protected, you are collection proof. If your debts are: taxes or. child support.

In Washington, the statute of limitations on debt collection lawsuits is six years after the date of default or last payment on the debt account. Once a debt is past the statute of limitations, debt collectors can still attempt to collect on these debts, but they cannot file a collection lawsuit.

A Collector Can't Threaten or Harass You A debt collector can't harass, intimidate, threaten, or embarrass you. This prohibition includes contacting you too often or at unusual times. Washington law assumes a debt collector is harassing you if it calls three times a week or more than once a week at your workplace.

Free Legal Help If you are located inside King County, call the 211 Legal Referral and Information Hotline Monday through Friday 8 a.m.?6 p.m. If you are located outside King County, call CLEAR toll-free at 888-201-1014 Monday through Friday a.m.? p.m.

If you are collection-proof, a creditor can still sue you and win a judgment against you but cannot take any of your income or property to pay off the judgment.

Statute of Limitations in Washington In Washington, the statute of limitations on debt collection lawsuits is six years after the date of default or last payment on the debt account. When six years have passed, debt collectors can still attempt to collect these debts, but they cannot file a collection lawsuit.