WA SB5720

Establishes new requirements for default judgments in consumer debt collection lawsuits, requiring complaints to include detailed debt information such as creditor name, account number, charge-off date, outstanding balance, itemized fees, and chain of ownership for purchased debts

Mandates that consumers receive a standardized notice warning that failure to respond may result in default judgment, with potential consequences including wage garnishment, bank account seizure, property liens, and judgments lasting up to 20 years

Requires plaintiffs to attach documentation proving the debt exists, such as a signed agreement, purchase records, or other evidence, plus a statement of authority to collect if the plaintiff is not the original creditor

Allows courts to deny default judgment motions or dismiss cases without prejudice if plaintiffs fail to comply with the requirements, with 30 days to file an amended complaint

Repeals existing debt buyer disclosure requirements in RCW 19.16.260 and replaces them with this uniform act, which applies to actions commenced after the effective date