What to Do If Someone Owes You Money in Washington

When someone owes you money and refuses to pay, it can be frustrating and stressful, especially if you trusted that person to keep their word. Fortunately, Washington law provides several ways to recover what you’re owed, whether the debt comes from a loan, unpaid work, or a broken agreement. Knowing your options and taking the right steps early can make a major difference in whether you get paid.

Start With a Demand Letter

Before taking legal action, it’s often best to start with a written demand letter. This formal notice outlines what the debtor owes, why they owe it, and when payment is expected. It serves as both a professional courtesy and legal evidence that you attempted to resolve the matter informally.

A strong demand letter should include the amount owed and the basis for the debt, the date payment was due, a clear deadline for repayment, and a statement that you may pursue legal action if the debt remains unpaid. Many disputes are resolved after a demand letter, especially when the debtor realizes you are serious about collecting.

Filing a Small Claims Case

If the debtor ignores your demand, the next step may be small claims court. In Washington, small claims court allows individuals to pursue relatively straightforward money disputes without hiring an attorney.

You can file a small claims case for up to $10,000 if you are an individual or $5,000 if you are a business. These courts are designed to be faster and less expensive than full civil lawsuits. You’ll need to file a Notice of Small Claim in the appropriate district court, serve the defendant with a copy of the claim, and attend the hearing to present evidence showing what you are owed. The judge will hear both sides and decide whether to issue a judgment in your favor.

Enforcing a Judgment

Winning in court doesn’t automatically guarantee payment. If the debtor still refuses to pay, you’ll need to enforce the judgment. Washington law gives creditors several options to collect, including wage garnishment, bank account garnishment, and property liens. Each method requires specific paperwork and compliance with notice requirements. An attorney can help ensure the process is handled correctly and efficiently.

While small claims court can be effective for modest amounts, larger or more complex debts may require formal legal representation. A lawyer can assist with drafting contracts, negotiating settlements, or filing lawsuits for breach of contract or unjust enrichment.

At the Law Office of Erin Bradley McAleer, we help individuals and businesses throughout Washington recover what they are owed through negotiation, mediation, or litigation. Our team provides practical, results-driven guidance to help you resolve disputes and move forward with confidence.