How to Respond to a Debt Collection Lawsuit in Washington
The deadline to answer a debt lawsuit in Washington, where to file, and what happens if you don't respond.
Short answer: In district court (where most debt cases are filed), serve your answer within 20 days after the summons and complaint are served on you (60 days from first publication if served by publication). CRLJ 12(a)
| Answering a debt lawsuit | In district court (where most debt cases are filed), serve your answer within 20 days after the summons and complaint are served on you (60 days from first publication if served by publication). Source: CRLJ 12(a) |
|---|---|
| Time limit to sue on a written contract | 6 years for an action on a written contract or a liability arising from a written agreement. Source: RCW 4.16.040(1) |
| How long a judgment lasts | A judgment can be enforced (execution, garnishment and other process) for 10 years from entry. Within 90 days before the 10 years end, the creditor can ask the court for one additional 10-year period. A district court judgment transcribed to superior court is not extended separately. Source: RCW 6.17.020(1), (3) |
Where to get help in Washington
- Washington State Department of Licensing (licenses collection agencies); Washington Attorney General, Consumer Protection Division
- File a complaint or claim
More Washington debt & collections
- Statute of Limitations on Debt in Washington
- Wage Garnishment in Washington
- What Creditors Can't Take in Washington
- Medical Debt Protections in Washington
- All Washington debt & collections rules
FAQ
How do I respond to a debt collection lawsuit in Washington?
In district court (where most debt cases are filed), serve your answer within 20 days after the summons and complaint are served on you (60 days from first publication if served by publication).
What is the statute of limitations on debt in Washington?
6 years for an action on a written contract or a liability arising from a written agreement.
How long does a court judgment last in Washington?
A judgment can be enforced (execution, garnishment and other process) for 10 years from entry. Within 90 days before the 10 years end, the creditor can ask the court for one additional 10-year period. A district court judgment transcribed to superior court is not extended separately.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.