Sarah Edwards | October 19, 2022
Summary: If you're struggling with debt in Washington, SoloSuit can help you find the relief you need.
Struggling with debt is no fun. Constantly paying for essentials while also trying to pay down your outstanding debt can even feel hopeless.
Individuals in Washington carry an average of nearly $10,000 in credit card debt while simultaneously balancing one of the highest costs of living indexes in the nation. In some suburbs of Seattle, home prices are up a staggering 46% since April 2021.
Rising housing costs and prices of basic goods can leave the average Washingtonian simply trying to make ends meet. While the median wage in Washington of $68,740 is much higher than the national average of $58,260, most families end up spending the extra money on goods that have increased in cost as a result of inflation.
Staggering prices can be a detriment for those seeking to obtain debt relief in Washington, but there are programs in place that can help individuals get out of debt. In addition, both the federal and state governments have put protections in place for debt-laden consumers.
Now, let's explore how you can find debt relief in Washington.
The federal government created the Fair Debt Collection Practices Act (FDCPA), which is meant to protect consumers from unfair collection practices that debt collectors sometimes engage in.
The Act outlines the procedures that collectors must follow when trying to collect a debt. It also spells out which collection practices are illegal. A few illegal debt collection activities include:
While this is a small list of activities that were deemed illegal by the Act, there are many other practices that debt collectors may not engage in. If you feel that a debt collector is harassing you, it's best to file a complaint with the Consumer Financial Protection Bureau (CFPB).
Each state has its own statutes of limitations that protect consumers from lawsuits in an attempt to collect a debt after a certain period of time has passed. In Washington, the statutes of limitations are as follows:
Washington Statute of Limitations
Deadline in Years
If an old debt meets the time limits established by the statute of limitations, it becomes time-barred. This means the collector may not initiate a lawsuit in an attempt to collect the debt.
However, the collector may still use other means to contact the consumer, including sending letters or making phone calls. If the debtor admits that they owe the debt or makes a payment after a debt has become time-barred, the statute of limitations will restart.
Debt consolidation is a type of debt relief program that typically requires you to work with a debt consolidation lender to obtain a loan that can be used to pay off your outstanding debts. Once all of your old creditors are paid off, you'll make one monthly payment to your new lender.
Debt consolidation is great for individuals who have the money to make regular debt payments but just can't seem to get anywhere in paying them down. This may be because they're only making minimum payments to their creditors or because of high interest rates.
Oftentimes, a debt consolidation loan comes with a lower interest rate than what other creditors offer. Since you're only making one payment, the amount going toward the principal on your loan will significantly increase.
People who want to enter a debt consolidation program are typically required to have good credit. A minimum credit score of 650 is necessary. In exchange, they can pay off their debt in a much quicker time frame, with less money paid toward interest expenses.
Debt settlement programs are usually open to everyone, regardless of credit score. Debt settlement agencies may be able to reduce your overall debt by 50% (sometimes even more). They work by negotiating a settlement offer with each of your creditors.
During the time of your program, you send the debt settlement agencies a monthly payment that they save for you in your account. This money is used to settle each debt as you go through the process.
Keep in mind that debt settlement agencies charge a fee for their services, but even after the fee, there's a great chance you will still save quite a lot of money.
That being said, if you're motivated and have the time to learn how to settle debts with your creditors, you may be able to handle the process on your own without a third-party mediator. To learn more about how to negotiate a debt settlement, check out this video:
The ultimate debt relief program is bankruptcy. There are two types of bankruptcy programs for individuals: Chapter 7 and Chapter 13. Depending on the type of bankruptcy you qualify for, you may be able to wipe out most of your debts without having to repay them at all.
But bankruptcy can cause problems for people who are seeking new credit or who want to purchase a home. Once you declare bankruptcy, it can stay on your credit report for up to ten years. Therefore, you should only consider it if you're drowning in debt and see no way out.
You can work with a qualified bankruptcy attorney to determine what type of bankruptcy you may qualify for, as well as the impact it may have on your finances.
Washington has financial assistance programs for its residents who are struggling with debt. Check out these Washington debt relief programs to see if you qualify:
SoloSuit is a web-based app that helps people being sued for debt to file a response to their creditors in their local court. By answering a few questions, you generate a PDF reply that may be downloaded and printed entirely for free. For individuals who prefer an attorney's assistance, a paid solution is available.
SoloSuit makes it easy to fight debt collectors.
You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.
SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.
"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.
>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate
>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
Is your credit card company suing you? Learn how you can beat each one.
Going to Court for Credit Card Debt — Key Tips
How to Negotiate Credit Card Debts
How to Settle a Credit Card Debt Lawsuit — Ultimate Guide
Need more info on statutes of limitations? Read our 50-state guide.
Why do debt collectors block their phone numbers?
How long do debt collectors take to respond to debt validation letters?
What are the biggest debt collector companies in the US?
Is Zombie Debt Still a Problem in 2019?
If a car is repossessed, do I still owe the debt?
Is Portfolio Recovery Associates Legit?
Is There a Judgment Against Me Without my Knowledge?
Should I File Bankruptcy Before or After a Judgment?
What is a default judgment?— What do I do?
Summoned to Court for Medical Bills — What Do I Do?
What Happens If Someone Sues You and You Have No Money?
What Happens If You Never Answer Debt Collectors?
What Happens When a Debt Is Sold to a Collection Agency
What is a Stipulated Judgment?
What is the Deadline for a Defendants Answer to Avoid a Default Judgment?
Can a Judgement Creditor Take my Car?
Can I Settle a Debt After Being Served?
Can You Appeal a Default Judgement?
Do I Need a Debt Collection Defense Attorney?
Do I Need a Payday Loans Lawyer?
Do student loans go away after 7 years? — Student Loan Debt Guide
Am I Responsible for My Spouses Medical Debt?
Should I Marry Someone With Debt?
Can a Debt Collector Leave a Voicemail?
How Does Debt Assignment Work?
What Happens If a Defendant Does Not Pay a Judgment?
How Does Debt Assignment Work?
Can You Serve Someone with a Collections Lawsuit at Their Work?
How Many Times Can a Judgment be Renewed in Oklahoma?
Does Debt Consolidation Have Risks?
What Happens If You Avoid Getting Served Court Papers?
Does Student Debt Die With You?
Can Debt Collectors Call You at Work in Texas?
How Much Do You Have to Be in Debt to File for Chapter 7?
What Is the Statute of Limitations on Debt in Washington?
How Long Does a Judgment Last?
Can Private Disability Payments Be Garnished?
Can Debt Collectors Call From Local Numbers?
Does the Fair Credit Reporting Act Work in Florida?
The Truth: Should You Never Pay a Debt Collection Agency?
Should You Communicate with a Debt Collector in Writing or by Telephone?
What Happens After a Motion for Default Is Filed?
Can a Process Server Leave a Summons Taped to My Door?
Need help managing your finances? Check out these resources.
How to Make a Debt Validation Letter - The Ultimate Guide
How to Make a Motion to Compel Arbitration Without an Attorney
How to Stop Wage Garnishment — Everything You Need to Know
How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
Defending Yourself in Court Against a Debt Collector
Tips on you can to file an FDCPA lawsuit against a debt collection agency
Advice on how to answer a summons for debt collection.
Effective strategies for how to get back on track after a debt lawsuit
New Hampshire Statute of Limitations on Debt
Sample Cease and Desist Letter Against Debt Collectors
The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah
West Virginia Statute of Limitations on Debt
What debt collectors cannot do — FDCPA explained
Defending Yourself in Court Against Debt Collector
Arkansas Statute of Limitations on Debt
Youre Drowning in Debt — Heres How to Swim
Help! Im Being Sued by My Debt Collector
How to Make a Motion to Vacate Judgment
How to Answer Summons for Debt Collection in Vermont
North Dakota Statute of Limitations on Debt
ClearPoint Debt Management Review
Indiana Statute of Limitations on Debt
Oregon Eviction Laws - What They Say
CuraDebt Debt Settlement Review
How to Write a Re-Aging Debt Letter
How to Appear in Court by Phone
How to Use the Doctrine of Unclean Hands
Debt Consolidation in Eugene, Oregon
Summoned to Court for Medical Bills? What to Do Next
How to Make a Debt Settlement Agreement
Received a 3-Day Eviction Notice? Heres What to Do
How to Answer a Lawsuit for Debt Collection
Tips for Leaving the Country With Unpaid Credit Card Debt
Kansas Statute of Limitations on Debt Collection
How to File in Small Claims Court in Iowa
How to File a Civil Answer in Kings County Supreme Court
Roseland Associates Debt Consolidation Review
Do Debt Collectors Ever Give Up?
Can They Garnish Your Wages for Credit Card Debt?
How Often Do Credit Card Companies Sue for Non-Payment?
How Long Does a Judgement Last?
How Long Before a Creditor Can Garnish Wages?
How to Beat a Bill Collector in Court