Can I be sued for a debt after it is charged off?

Yes, you can be sued for a debt after it has been charged off. In Washington, a creditor can still sue a debtor for the collection of a debt, even after the debt has been charged off. The debt is typically considered to be “charged off” when it has been unpaid by a debtor for a set period of time and the creditor has written the debt off on their tax returns as a loss. In the state of Washington, the Consumer Debt Defense Law provides protection to individuals from unfair debt collection practices related to charged-off debts. It states that it is illegal for a creditor or debt collector to threaten to sue or use other deceptive or harassing tactics in an effort to collect on a debt after it has been charged off. It also prohibits debt collectors from making false statements about the amount of the debt, its legal status, or that they are representing the court or a government agency in the attempts to collect the debt. If the creditor or debt collector violates the Consumer Debt Defense Law by using deceptive practices in an attempt to collect on the charged off debt, the debtor may be entitled to damages. The debtor may also be able to sue the debt collector for damages and legal fees in an effort to stop the collection attempts and to recover any money they have lost due to the violations of the Consumer Debt Defense Law.

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Can I be sued for a debt after it is charged off?

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