How long does a debt collector have to file a lawsuit?

In Washington, debt collectors have a limited amount of time to file a lawsuit against a debtor. This is known as the statute of limitations. In general, the statute of limitations for debt collection in Washington is six years from the date the debt became due. However, there are some exceptions. Depending on the type of debt, it could have either a shorter or longer statute of limitations. For example, bills for unpaid taxes or child support are not subject to the six-year statute of limitations. It is important to note that the statute of limitations does not prevent debt collectors from attempting to collect the debt. During the six years, the debt collector can contact the debtor and attempt to collect the debt. However, if the debt has been unpaid for more than six years, the debt collector cannot file a lawsuit against the debtor and will not be able to collect the debt. Debtors should be aware that the statute of limitations can be paused, or tolled. This means that the six-year period may not start running until certain conditions are met. For example, if a debtor moves out of the state or is declared bankrupt, the six-year period may not begin until the debtor returns to the state or their bankruptcy is discharged. It is important for debtors to understand the law related to the statute of limitations. Knowing when the debt became due and whether any conditions may have tolled the statute of limitations is essential for debtors when dealing with debt collectors.

Related FAQs

How can I remove a debt from my credit report?
Can a debt collector take money from my bank account?
How do I request validation of a debt?
Can I negotiate with a debt collector?
Can a debt collector contact me at my place of employment?
What is a certified letter of verification?
How do I dispute a debt collection on my credit report?
Can I dispute a debt in court?
How do I file a complaint against a debt collector?
How can I challenge an inaccurate credit report?

How long does a debt collector have to file a lawsuit?

Related FAQs

Related Blog Posts