Dispute medical bills or collections that are incorrect, inflated, or improperly billed. This template is customized for Washington residents with relevant state law citations.
Washington Legal Requirements
Your demand letter should reference Washington-specific laws including FDCPA.
- FDCPA
- Washington Collection Agency Act - RCW 19.16
Next Steps if They Ignore You
If your demand goes unanswered, you can escalate to Washington small claims court or file a complaint with Washington DFI / CFPB.
The Debt Collection Playbook
Proof is Power
Contracts, invoices, texts, emails… gather all evidence of the debt.
Time is Your Ally (and Their Enemy)
Interest accrues. Late fees may apply. The longer they wait, the more they may owe.
Track Every Penny
Principal, interest, late fees… don't miss a dollar.
The Debtor's Options
Many states allow you to recover collection costs, including attorney fees in some cases. Know your rights.
Medical Debt Dispute FAQs for Washington
What laws protect me in Washington for medical debt dispute?
Washington consumers are protected by FDCPA and Washington Collection Agency Act - RCW 19.16. Your demand letter should reference these specific statutes.
What is the small claims limit in Washington?
The small claims court limit in Washington is $10,000. If your dispute exceeds this amount, you may need to file in a higher court.
How long do I have to file a claim in Washington?
Deadlines vary by claim type. Generally, you should send your demand letter as soon as possible after the dispute arises.
Create Your Washington Demand Letter
Generate a professional medical debt dispute demand letter tailored for Washington. Our free tool includes relevant state law citations.
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