This notice is not from a debt collector but from the party to whom the debt is owed.
Washington Notice by Mail to Debtor of Action if Payment not Made
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Multi-State
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US-01748BG
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How to fill out Notice By Mail To Debtor Of Action If Payment Not Made?
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FAQ
In Washington, the statute of limitations on debt collection lawsuits is six years after the date of default or last payment on the debt account. When six years have passed, debt collectors can still attempt to collect these debts, but they cannot file a collection lawsuit.
Statute of limitations on debt for all states StateWrittenOralCalifornia4 years2Colorado6 years6Connecticut6 years3Delaware3 years346 more rows ?
In Washington, there is a three-year statute of limitations for personal injury, injury to property, fraud, and trespass claims; but defamation claims only have a two-year limit. For Washington criminal charges, there is no limit for murder charges but a two-year statute of limitations for gross misdemeanors.
A Collector Can't Threaten or Harass You A debt collector can't harass, intimidate, threaten, or embarrass you. This prohibition includes contacting you too often or at unusual times. Washington law assumes a debt collector is harassing you if it calls three times a week or more than once a week at your workplace.
When the credit reporting time limit does expire for a debt, it should drop off your credit report automatically. If for some reason, an old debt remains on your credit report, you can use the credit report dispute process to have it removed.
