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In order to defend against this lawsuit, you must respond to the complaint by stating your defense in writing, and by serving a copy upon the person signing this summons within 20 days after the service of this summons, excluding the day of service, or a default judgment may be entered against you without notice.
A debt validation letter should include the name of your creditor and how much you owe, The letter will include information about when you need to pay the debt and how to dispute it.
Follow these three steps to respond to a Complaint and Summons in Washington and avoid a default judgment: Answer each issue listed in the Complaint. Assert affirmative defenses. File the Answer with the court, and serve the plaintiff.
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.
In Washington State, debt collectors can file a legal action to recover unpaid debt. If you are being sued for an outstanding debt, then there are certain steps that you can take to protect yourself. Properly responding to a debt collection lawsuit can help get you back on the path to financial stability.
You must fill out an Answer, serve the other side's attorney, and file your Answer form with the court within 30 days. If you don't, the creditor can ask for a default. If there's a default, the court won't let you file an Answer and can decide the case without you.
Dear debt collector: I am responding to your contact about collecting a debt. You contacted me by [phone/mail], on [date] and identified the debt as [any information they gave you about the debt]. You can contact me about this debt, but only in the way I say below.
Responding to a debt collection letter depends on the type of debt your creditors are claiming you owe. If you feel the amount of the proposed debt is correct and you can afford to pay it, do so. This will be a sufficient form of response and should halt any collection activity.