What is the statute of limitations on debt collection?

In Washington, the statute of limitations on debt collection is six years. This means that creditors have six years to try and recover a debt. After that period of time, the debt is considered unenforceable by law. This means that the creditor cannot take any legal action against a debtor in order to recover the debt. The statute of limitations begins upon the date of default, or when the debt goes unpaid. The date of default varies by state, but in Washington it is usually the date of the last payment made or the date of the last communication between the two parties. If the debtor has made payments towards the debt or has communicated with the creditor regarding the debt, then the statute of limitations clock restarts and the creditor can pursue legal action for up to 6 years from the most recent payment or communication. In the end, the statute of limitations on debt collection in the state of Washington is 6 years. This statute protects debtors from being sued for old, unpaid debts.

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What is the statute of limitations on debt collection?

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