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AN ACT Relating to prohibiting interest charges for new and 1
unpaid medical debt; and amending RCW 19.52.010, 6.17.020, 4.56.190, 2
and 4.56.210. 3
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF WASHINGTON:4
Sec. 1. RCW 19.52.010 and 2019 c 227 s 5 are each amended to 5
read as follows: 6
(1) Except as provided in subsection (2) of this section, every 7
loan or forbearance of money, goods, or thing in action shall bear 8
interest at the rate of twelve percent per annum where no different 9
rate is agreed to in writing between the parties: PROVIDED, That with 10
regard to any transaction heretofore or hereafter entered into 11
subject to this section, if an agreement in writing between the 12
parties evidencing such transaction provides for the payment of money 13
at the end of an agreed period of time or in installments over an 14
agreed period of time, then such agreement shall constitute a writing 15
for purposes of this section and satisfy the requirements thereof. 16
The discounting of commercial paper, where the borrower makes himself 17
or herself liable as maker, guarantor, or indorser, shall be 18
considered as a loan for the purposes of this chapter.19
(2)(((a) Prejudgment interest )) Interest may not be charged or 20
collected on new or unpaid medical debt ((, as defined in RCW 21
S-3585.1
SENATE BILL 5993
State of Washington 69th Legislature 2026 Regular Session
By Senators Alvarado, Riccelli, Bateman, Conway, Frame, Hasegawa,
Liias, Lovelett, Lovick, Nobles, Orwall, Slatter, Stanford, Trudeau,
Valdez, and C. Wilson
Prefiled 01/06/26. Read first time 01/12/26. Referred to Committee
on Law & Justice.
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19.16.100, must not exceed nine percent )) after the effective date of 1
this section. 2
(((b) For any medical debt for which prejudgment interest has 3
accrued or may be accruing as of July 28, 2019, no prejudgment 4
interest in excess of nine percent shall accrue thereafter.))5
(3) A lease shall not be considered a loan or forbearance for the 6
purposes of this chapter if: 7
(a) It constitutes a "consumer lease" as defined in RCW 8
63.10.020; 9
(b) It constitutes a lease-purchase agreement under chapter 63.19 10
RCW; or 11
(c) It would constitute such "consumer lease" but for the fact 12
that: 13
(i) The lessee was not a natural person; 14
(ii) The lease was not primarily for personal, family, or 15
household purposes; or 16
(iii) The total contractual obligation exceeded twenty-five 17
thousand dollars. 18
Sec. 2. RCW 6.17.020 and 2022 c 260 s 5 are each amended to read 19
as follows: 20
(1) Except as provided in subsections (2), (3), and (4) of this 21
section, the party in whose favor a judgment of a court has been or 22
may be filed or rendered, or the assignee or the current holder 23
thereof, may have an execution, garnishment, or other legal process 24
issued for the collection or enforcement of the judgment at any time 25
within 10 years from entry of the judgment or the filing of the 26
judgment in this state. 27
(2) After July 23, 1989, a party who obtains a judgment or order 28
of a court or an administrative order entered as defined in RCW 29
74.20A.020(6) for accrued child support, or the assignee or the 30
current holder thereof, may have an execution, garnishment, or other 31
legal process issued upon that judgment or order at any time within 32
10 years of the 18th birthday of the youngest child named in the 33
order for whom support is ordered. 34
(3) After June 9, 1994, a party in whose favor a judgment has 35
been filed as a foreign judgment or rendered pursuant to subsection 36
(1) or (4) of this section, or the assignee or the current holder 37
thereof, may, within 90 days before the expiration of the original 38
10-year period, apply to the court that rendered the judgment or to 39
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the court where the judgment was filed as a foreign judgment for an 1
order granting an additional 10 years during which an execution, 2
garnishment, or other legal process may be issued. If a district 3
court judgment of this state is transcribed to a superior court of 4
this state, the original district court judgment shall not be 5
extended and any petition under this section to extend the judgment 6
that has been transcribed to superior court shall be filed in the 7
superior court within 90 days before the expiration of the 10-year 8
period of the date the transcript of the district court judgment was 9
filed in the superior court of this state. The petitioner shall pay 10
to the court a filing fee equal to the filing fee for filing the 11
first or initial paper in a civil action in the court, except in the 12
case of district court judgments transcribed to superior court, where 13
the filing fee shall be the fee for filing the first or initial paper 14
in a civil action in the superior court where the judgment was 15
transcribed. The order granting the application shall contain an 16
updated judgment summary as provided in RCW 4.64.030. The filing fee 17
required under this subsection shall be included in the judgment 18
summary and shall be a recoverable cost. The application shall be 19
granted as a matter of right, subject to review only for timeliness, 20
factual issues of full or partial satisfaction, or errors in 21
calculating the judgment summary amounts. 22
(4)(a) A party who obtains a judgment or order for restitution 23
pursuant to a criminal judgment and sentence, or the assignee or the 24
current holder thereof, may execute, garnish, and/or have legal 25
process issued upon the judgment or order any time within 10 years 26
subsequent to the entry of the judgment and sentence or 10 years 27
following the offender's release from total confinement as provided 28
in chapter 9.94A RCW. The clerk of (([the])) the superior court, or a 29
party designated by the clerk, may seek extension under subsection 30
(3) of this section for purposes of collection as allowed under RCW 31
36.18.190, provided that no filing fee shall be required.32
(b) A party who obtains a judgment or order for court-ordered 33
legal financial obligations other than restitution, pursuant to a 34
criminal judgment and sentence, or the assignee or the current holder 35
thereof, may execute, garnish, and have legal process issued upon the 36
judgment or order any time within 10 years subsequent to the entry of 37
the judgment and sentence or 10 years following the offender's 38
release from total confinement as provided in chapter 9.94A RCW. The 39
clerk of (([the])) the superior court, or a party designated by the 40
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clerk, may seek extension under subsection (3) of this section for 1
purposes of collection as allowed under RCW 36.18.190, only if the 2
court finds that the offender has the current or likely future 3
ability to pay the nonrestitution legal financial obligations. A 4
person does not have the current ability to pay if the person is 5
indigent as defined in RCW 10.01.160(3). No filing fee shall be 6
required for filing a petition for an extension pursuant to this 7
subsection (4)(b). 8
(5) "Court" as used in this section includes but is not limited 9
to the United States supreme court, the United States courts of 10
appeals, the United States district courts, the United States 11
bankruptcy courts, the Washington state supreme court, the court of 12
appeals of the state of Washington, superior courts and district 13
courts of the counties of the state of Washington, and courts of 14
other states and jurisdictions from which judgment has been filed in 15
this state under chapter 6.36 ((or 6.40)) RCW. 16
(6) The perfection of any judgment lien and the priority of that 17
judgment lien on property as established by RCW 6.13.090 and chapter 18
4.56 RCW is not altered by the extension of the judgment pursuant to 19
the provisions of this section and the lien remains in full force and 20
effect and does not have to be rerecorded after it is extended. 21
Continued perfection of a judgment that has been transcribed to other 22
counties and perfected in those counties may be accomplished after 23
extension of the judgment by filing with the clerk of the other 24
counties where the judgment has been filed either a certified copy of 25
the order extending the judgment or a certified copy of the docket of 26
the matter where the judgment was extended. 27
(7) Except as ordered in RCW 4.16.020 (2) or (3), chapter 9.94A 28
RCW, or chapter 13.40 RCW, no judgment is enforceable for a period 29
exceeding 20 years from the date of entry in the originating court. 30
Nothing in this section may be interpreted to extend the expiration 31
date of a foreign judgment beyond the expiration date under the laws 32
of the jurisdiction where the judgment originated.33
(8) The chapter 261, Laws of 2002 amendments to this section 34
apply to all judgments currently in effect on June 13, 2002, to all 35
judgments extended after June 9, 1994, unless the judgment has been 36
satisfied, vacated, and/or quashed, and to all judgments filed or 37
rendered, or both, after June 13, 2002. 38
(9) Notwithstanding any other provision of this section, if a 39
judgment includes any amount of medical debt as defined in RCW 40
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19.16.100, execution, garnishment, or any other legal process for 1
enforcement of the judgment may be issued only within six years from 2
the date of entry. 3
(a) The extension procedure authorized under subsection (3) of 4
this section does not apply to judgments that include medical debt as 5
defined in RCW 19.16.100.6
(b) After expiration of the six-year period, the judgment is 7
unenforceable and no execution, garnishment, renewal, revival, or 8
other legal process may issue.9
(c) A judgment includes medical debt if any portion of the 10
principal amount of the judgment at the time of entry consists of 11
medical debt as defined in RCW 19.16.100.12
Sec. 3. RCW 4.56.190 and 2011 c 106 s 4 are each amended to read 13
as follows: 14
The real estate of any judgment debtor, and such as the judgment 15
debtor may acquire, not exempt by law, shall be held and bound to 16
satisfy any judgment of the district court of the United States 17
rendered in this state and any judgment of the supreme court, court 18
of appeals, superior court, or district court of this state, and 19
every such judgment shall be a lien thereupon to commence as provided 20
in RCW 4.56.200 and to run for a period of not to exceed ten years 21
from the day on which such judgment was entered unless the ten-year 22
period is extended in accordance with RCW 6.17.020(3), or unless the 23
judgment results from a criminal sentence for a crime that was 24
committed on or after July 1, 2000, in which case the lien will 25
remain in effect until the judgment is fully satisfied. As used in 26
this chapter, real estate shall not include the vendor's interest 27
under a real estate contract for judgments rendered after August 23, 28
1983. If a judgment debtor owns real estate, subject to execution, 29
jointly or in common with any other person, the judgment shall be a 30
lien on the interest of the defendant only. 31
Personal property of the judgment debtor shall be held only from 32
the time it is actually levied upon. 33
However, if a judgment includes any amount arising from medical 34
debt as defined in RCW 19.16.100, the lien continues for no more than 35
six years from the date of entry and may not be extended.36
Sec. 4. RCW 4.56.210 and 1995 c 75 s 1 are each amended to read 37
as follows: 38
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(1) Except as provided in subsections (2) ((and)), (3), and (4) 1
of this section, after the expiration of ten years from the date of 2
the entry of any judgment heretofore or hereafter rendered in this 3
state, it shall cease to be a lien or charge against the estate or 4
person of the judgment debtor. No suit, action or other proceeding 5
shall ever be had on any judgment rendered in this state by which the 6
lien shall be extended or continued in force for any greater or 7
longer period than ten years. 8
(2) An underlying judgment or judgment lien entered after ((the 9
effective date of this act )) July 23, 1989, for accrued child support 10
shall continue in force for ten years after the eighteenth birthday 11
of the youngest child named in the order for whom support is ordered. 12
All judgments entered after ((the effective date of this act )) July 13
23, 1989, shall contain the birthdate of the youngest child for whom 14
support is ordered. 15
(3) A lien based upon an underlying judgment continues in force 16
for an additional ten-year period if the period of execution for the 17
underlying judgment is extended under RCW 6.17.020.18
(4) A lien arising from a judgment that includes any amount of 19
medical debt as defined in RCW 19.16.100 expires six years from the 20
date of entry of the judgment and may not be renewed, revived, or 21
extended. The extension procedure under RCW 6.17.020(3) does not 22
apply to such liens.23
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