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DebtShield

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The flagship debt recovery platform.

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WA Debt Laws

Washington Debt Collection Laws

Know your rights in Washington. The statute of limitations, garnishment rules, and exempt income can make or break your debt dispute.

6 years

Credit card SOL

6 years

Written contract SOL

25% of disposable earnings

Garnishment limit

Washington Collection Law

Washington Collection Agency Act

File complaints with: AG Consumer Protection

Income Protected from Garnishment in Washington

Social Security
Unemployment
Workers' comp
Pension

Key Washington Protections

Strong CPA — treble damages + attorney fees
Collectors must be licensed

Federal Laws (Apply in Washington)

  • FDCPA (15 USC § 1692) — debt collector conduct rules
  • FCRA (15 USC § 1681) — credit reporting accuracy
  • FTC Act § 5 — unfair/deceptive practices
  • CFPB Reg F — debt collection communication rules
Generate Washington Debt Dispute Letter

DebtShield auto-cites Washington laws + FDCPA