Can a debt collector sue me after the statute of limitations has expired?

In Washington, the statute of limitations (SOL) dictates the length of time a debt collector has to sue you for an unpaid debt. After the SOL has expired, the debt is no longer legally enforceable and a debt collector can no longer bring a legal action against you. However, a debt collector can still attempt to collect on the debt. This might include sending you letters, making phone calls, and sending emails. Additionally, a debt collector may threaten to sue you even if the SOL has expired. It is important to know that they cannot actually do this. If a debt collector contacts you and attempts to collect a debt that has passed its SOL, it is important to be aware of your rights and take action. You can send a “cease and desist” letter instructing the collector to stop all contact with you. You should also send a complaint letter to the debt collector informing them that they are violating your rights by attempting to collect a debt after the SOL has expired. It is also important to check the Washington Collection Defense Law to stay informed of your rights and any legal actions that you can take if a debt collector has violated the law. By informing yourself of your rights, you can protect yourself from debt collectors attempting to collect on a debt after the SOL has expired.

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Can a debt collector sue me after the statute of limitations has expired?

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