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Status of Limitations on credit card debt in Washington state

Seattle, WA |

Would the status be under open end accounts and be 3 years?

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Filed under: Credit Debt Fees
Attorney answers 2


The statute of limitations on credit card debt in Washington is 6 years, pursuant to RCW 4.16.040. This was an unsettled question of law in Washington for some time, but the Supreme Court weighed in and ruled as follows:

"We hold that the plain meaning of “account receivable” as used in RCW 4.16.040(2) is “an amount due a business on account from a customer who has bought merchandise or received services.” This meaning encompasses a balance owed by a client to an attorney for legal services performed on behalf of the client on an hourly fee basis without a written fee agreement. RCW 4.16.040(2)'s six-year limitation for an action upon an account receivable incurred in the ordinary course of business applies to Tingey's action to collect attorney fees from Haisch." Tingey v. Haisch, 159 Wn.2d 652.

With this definition of "account receivable" I think it would be an uphill battle to try and assert that only a 3 year statute of limitations should apply to credit card debt.

I hope this helps.



That particular opinion does not explicitly address credit card accounts... any subsequent cases that apply it to CC accounts?


I believe it is 6 years, as the other Attorney had just mentioned. My best to you.

Please do not take my answer to be legal advice that would establish any attorney-client relationship. Please take it as a general response from my own experience in response to your question. I hope you find it helpful.

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