What happens to credit card debt when you die in Washington state?

Hear this out loudPauseIn Washington, heirs are not responsible for the debts of their relatives. So, even though a relative might have left large credit card bills, you have no legal responsibility to pay them.

How long can credit card debt be collected in Washington State?

6 years
Understanding Washington’s statute of limitations

Washington Statute of Limitations on Debt
Mortgage debt	6 years
Credit card	6 years
Auto loan debt	4 years
State tax debt	4 years

Can you Levy a bank account in Washington State?

Again, the procedure for levying bank accounts, as well as what amount, if any, a debtor can claim as exempt from the levy, is governed by Washington law. Many states exempt certain amounts and certain types of funds from bank levies, so a debtor should review his or her state’s laws to find if a bank account can be levied.

How does debt collection work in Washington State?

Washington law gives creditors several means of collecting delinquent debt from you. Before a creditor may use these legal tools in Washington, the creditor must go to court to receive a judgment against you. See the Bills.com article Served Summons and Complaint to learn more about this process, and how to fight a lawsuit.

Is there Statute of limitations on debt in Washington State?

The statute of limitations for most consumer debts is 6 years. Reinstatement of debt must be in writing. If you owe debt and reside in Washington, it’s important to understand your rights and liabilities. It is even more important if a creditor threatens to file a lawsuit against you.

Who is liable for a credit card debt after death?

Cosigners Are Still Liable on Outstanding Credit Card Debts. If you cosigned or were otherwise jointly liable with the decedent on a credit card, you are still on the hook for that debt. The death of your cosigner does not eliminate your obligation to pay the debt.