Contact your lender as soon as possible. Be honest about the situation and why you aren't able to make the payment.It's a good idea to call a Washington law office before making any decisions about legal cases. Learn about my rights dealing with a repossession and how to avoid a repo. Have a Consumer Issue? This guide will show you how to respond to a debt collection lawsuit in Washington. Washington has two state debt collection laws: the Washington Collection Agency Act (CAA) and the Washington Consumer Protection Act (CPA). If you experience any kind of harassment, you can file a complaint with the Washington State Attorney General's Office or sue the creditor for damages. Here's everything you need to know about drafting and filing an Answer to a credit card debt lawsuit, with sample Answers included. Contact your lender, they are ultimately responsible for ensuring personal property found in a repossessed vehicle is returned to the debtor.