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Debt collection
Legal Information
In this section of Washington LawHelp you will find general information, self-help packets and resources for consumers facing debt collection issues in Washington state.
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Debtors' Rights: Dealing with Collection Agencies PDF
0200EN - This publication helps you understand debt collection practices and your rights when dealing with debt collectors. Includes form letters you can use to mail to debt collectors requesting that they stop contacting you. Content Detail
- By:
- Northwest Justice Project
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Video - Dealing with Debt Collectors
Short video explaining valuable information about how to deal with aggressive debt collectors. Read More
- By:
- Federal Trade Commission
- Read this in:
- Spanish / Español
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Prioritizing Debt: Which Bills do I Pay First?
0110EN - General information about which bills you should pay first when you are having trouble paying all of your debts. Read More
- By:
- Northwest Justice Project
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Money That Cannot Be Taken From You ("Garnished") to Pay Off a Debt
0208EN - The law protects certain types of income and property from garnishment by creditors. These funds cannot be taken from you to pay off a debt, even one a court has said you owe. We call these funds "exempt." Read More
- By:
- Northwest Justice Project
- Read this in:
- Spanish / Español
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Video - Getting Help with Medical Debt in Washington State
This video explains some options for people in Washington who are facing large medical debts. Read More
- By:
- Northwest Justice Project
- Read this in:
- Spanish / Español
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Debtors' Rights in a Lawsuit PDF
0204EN - This publication provides information on how to represent yourself when you are being sued for money. Content Detail
- By:
- Northwest Justice Project
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How to Answer a Lawsuit for Debt Collection
0205EN - This packet helps you represent yourself when you have been served with a lawsuit for debt collection. It should be used with our publication "Debtors' Rights in a Lawsuit". Read More
- By:
- Northwest Justice Project
- Read this in:
- Spanish / Español
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How to Claim Personal Property Exemptions PDF
0220EN - Information and sample forms to be used when claiming that some of your property is exempt (protected) from being taken to pay a debt. Content Detail
- By:
- Northwest Justice Project
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Getting Help with Medical Debt in Washington State
0212EN - Having medical bills can cause fear, worry and embarrassment. You may start to lose hope. But ignoring them can lead to bigger problems. Your bills might be turned over to a collection agency. You might even get sued. If you cannot afford your medical debt, this publication explains some options that can help. Read More
- By:
- Northwest Justice Project
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Supplemental Proceedings
0210EN - If a creditor has a judgment ordered by a court and wants to collect the money from you, you may receive an order to attend a Supplemental Proceedings court hearing. Read More
- By:
- Northwest Justice Project
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Community Debt and Bankruptcy Issues
Community debts are those debts that both you and your spouse are responsible for. This fact sheet defines which types of debts are defined as community debts. (PDF file) Content Detail
- By:
- Legal Voice
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Payday Loans: What to do if You Get Caught in the Debt Trap
0600EN - A payday loan is a short-term, high-cost loan that must be paid back on or before your next payday, whether your income is from employment or government benefits. Payday loans are made by storefront lenders, check cashers, pawn shops, credit unions, and Internet-based providers. Read More
- By:
- Northwest Justice Project
- Read this in:
- Spanish / Español
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Financial Issues for Survivors of Domestic Violence
Read about how to budget, prioritize debt and building and repairing your credit history. Content Detail
- By:
- National Consumer Law Center
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How to Present a Charity Care Defense to a Lawsuit for Hospital Debt Collection PDF
5910EN - This packet is intended to help you when you are being sued for hospital-based medical services which you would not owe if the hospital had correctly determined your eligibility for Charity Care. Content Detail
- By:
- Northwest Justice Project
- Other formats:
- DOCX
- Read this in:
- Spanish / Español




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