Debt collection

Know Your Rights

Other Money Problems

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Debtors' Rights: Dealing with Collection Agencies

Read this to 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. #0200EN

Money that cannot be taken from you ("garnished") to pay off a debt

Learn more about the types of income and property the law protects from garnishment by creditors. These funds cannot be taken from you to pay off a debt, even one a court has said you owe. #0208EN

Prioritizing Debt: Which Bills do I Pay First?

General information about which bills you should pay first when you are having trouble paying all of your debts. #0110EN

Consumer Credit Counseling

Consumer credit counseling can be an alternative to filing for bankruptcy. Learn what a consumer credit counselor can do and how you can find one. #0902EN

Webinar: How to protect your bank account from garnishment in Washington state

Northwest Justice Project attorneys explain how debt collection works in Washington state and how to protect exempt funds (like Social Security) in a bank account from garnishment. ***General information only.

File a Notice of Appearance

If you are served with a lawsuit, file a Notice of Appearance (NOA) to tell the other party and the court that you want to defend yourself in the case, and you want to get notice if anything else happens in the case. #9931EN

Money that cannot be taken from you ("garnished") to pay off a debt

Learn more about the types of income and property the law protects from garnishment by creditors. These funds cannot be taken from you to pay off a debt, even one a court has said you owe. #0208EN

Video - Garnishment and Exemptions: Debt Collection Defense

A creditor may try to take money out of your bank account or paycheck to repay a debt. This short video explains some of the laws a creditor must follow and what you need to know if this happens to you.

Consumer Credit Counseling

Consumer credit counseling can be an alternative to filing for bankruptcy. Learn what a consumer credit counselor can do and how you can find one. #0902EN

Webinar: How to protect your bank account from garnishment in Washington state

Northwest Justice Project attorneys explain how debt collection works in Washington state and how to protect exempt funds (like Social Security) in a bank account from garnishment. ***General information only.

Prioritizing Debt: Which Bills do I Pay First?

General information about which bills you should pay first when you are having trouble paying all of your debts. #0110EN

When You Cannot Pay Off Your Payday Loan

Options on what to do when you can't pay off your payday loan on time. #0601EN.

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