What happens if I don’t respond to a debt collector’s request for payment?

If you do not respond to a debt collector’s request for payment in Washington State, the debt collector may be able to sue you for the debt. However, the debt collector must first provide you with written notice that includes the amount of the debt, the name of the creditor, and an explanation of the right to dispute the debt. If you dispute the debt in writing within 30 days of receiving the written notice, then the debt collector must provide proof that the debt is valid. If you do not respond to the debt collector’s request for payment within the 30 day timeline, the debt collector may pursue legal action against you. The debt collector may file a lawsuit in court and ask the court to order you to pay the debt. If a judge rules in favor of the debt collector, they will be able to issue a “civil judgment,” which is a court order requiring you to pay the debt. Not responding to a debt collector’s request for payment can have serious consequences in Washington State. It is important to take any request for payment seriously and read all documents before responding. If you are able to pay the debt, it’s best to contact the debt collector and attempt to work out a payment plan. If you believe that the debt does not belong to you, it’s important to dispute the debt in writing within 30 days of receiving the notice to protect your rights.

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What happens if I don’t respond to a debt collector’s request for payment?

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