Washington Statute of Limitations for Debt Collection
In Washington, the statute of limitations for debt collection is 6 years. After this period, a lawsuit based on this type of claim is generally time-barred.
Data last updated: Apr 16, 2026Key Takeaways
- Time limit: 6 years from accrual.
- Statute: Wash. Rev. Code §§ 4.16.040, 4.16.080.
- Written debts: 6 years. Oral debts: 3 years.
What are debt collection claims?
The time limit for creditors to sue on an unpaid debt. After this period, the debt is time-barred.
Details
Written debts: 6 years. Oral debts: 3 years.
General Washington Rules
Washington provides 6 years for written contract claims and 3 years for most other civil claims. Medical malpractice has a unique structure providing the later of 3 years from the act or 1 year from discovery, with an 8-year statute of repose. The discovery rule applies broadly in Washington.
Other Statutes of Limitations in Washington
Debt Collection in Other States
Frequently Asked Questions
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What is the statute of limitations for debt collection in Washington?
The statute of limitations for debt collection in Washington is 6 years. Citation: Wash. Rev. Code §§ 4.16.040, 4.16.080.
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When does the clock start for debt collection in Washington?
Written debts: 6 years. Oral debts: 3 years.
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Can the statute of limitations for debt collection be extended in Washington?
In some cases, yes. Tolling provisions may apply for minors, persons with incapacity, or when the defendant is absent from the state. The discovery rule may also delay the start of the statute. Consult an attorney for your specific situation.