Title 4, Title 4 CIVIL PROCEDURE
30 chapters · 452 sections in this title.
RCW 4.74.010 Definitions.
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In this chapter:(1) "Affiliate" has the same meaning as provided in RCW 48.31B.005.(2) "Charge off" means a creditor's removal of a consumer debt as an asset from the creditor's financial records.(3) "Consumer" means an individual named as a defendant in an action for collection …
RCW 4.74.020 Scope—Application of chapter.
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(1) Except as provided in subsection (2) of this section, this chapter applies to the award of a default judgment in an action for collection of:(a) An unsecured consumer debt;(b) A secured consumer debt if the action is brought solely to obtain a money judgment; or(c) A deficien…
RCW 4.74.030 Complaints—Required contents.
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(1) A default judgment in an action to which this chapter applies may be entered only if the complaint or amended complaint complies with this section and includes the notice required under RCW 4.74.040.(2) If the plaintiff amends a complaint before a responsive pleading is made,…
RCW 4.74.040 Complaints—Consumer notice.
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(1) A default judgment may be entered in an action to which this chapter applies only if the complaint or amended complaint served on the consumer includes, or is accompanied by, a notice warning that a default judgment may be awarded against the consumer in no less than 10 point…
RCW 4.74.050 Failure to comply with chapter—Application of consumer protection act.
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(1) If a plaintiff in an action to which this chapter applies fails to comply with any requirement of this chapter, the court may deny the plaintiff's motion for default or default judgment and may on motion of a party or on the court's own motion issue a notice that the court wi…
RCW 4.74.060 Waiver of chapter void.
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A waiver by a consumer of a requirement of this chapter is void. This section does not prevent a voluntary settlement agreement or judgment between the parties that does not result in a default judgment.[ 2026 c 107 s 8.]Notes:Effective date—2026 c 107: See note following RCW 4.7…
RCW 4.74.800 Intent—2026 c 107.
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The legislature enacted critical protections for consumers in 2020 through the passage of Substitute House Bill No. 2476 regarding debt buyers. In enacting the uniform consumer debt default judgments act, the legislature intends to broaden those protections by: (1) Expanding requ…
RCW 4.74.900 Short title.
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This chapter may be known and cited as the uniform consumer debt default judgments act.[ 2026 c 107 s 1.]Notes:Effective date—2026 c 107: "This act takes effect January 1, 2027." [ 2026 c 107 s 15.]
RCW 4.74.901 Relation to other laws.
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This chapter supplements rights and remedies available to a consumer under other laws of this state.[ 2026 c 107 s 9.]Notes:Effective date—2026 c 107: See note following RCW 4.74.900.
RCW 4.74.902 Relation to electronic signatures in global and national commerce act.
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This chapter modifies, limits, or supersedes the electronic signatures in global and national commerce act, 15 U.S.C. Sec. 7001 et seq., but does not modify, limit, or supersede 15 U.S.C. Sec. 7001(c), or authorize electronic delivery of any of the notices described in 15 U.S.C. …
RCW 4.74.903 Uniformity of application and construction.
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In applying and construing this uniform act, a court shall consider the promotion of uniformity of the law among jurisdictions that enact it.[ 2026 c 107 s 10.]Notes:Effective date—2026 c 107: See note following RCW 4.74.900.
RCW 4.74.904 Application—Transitional provision.
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This chapter applies to an action commenced on or after January 1, 2027.[ 2026 c 107 s 12.]Notes:Effective date—2026 c 107: See note following RCW 4.74.900.