RCW 4.74.020: Scope—Application of chapter. (Effective January 1, 2027.)

(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 deficiency that remains after disposition of property that secured a consumer debt.

(2) This chapter does not apply to:

(a) An action to take possession of or dispose of real or personal property, even if the action includes a request for a money judgment; or

(b) An action to collect a debt owed to a government, governmental subdivision, or agency in which the government, governmental subdivision, or agency is the plaintiff.