SettleADebt.

FIND THE EXPLANATION

Which place’s debt rules apply—and who can help?

Use the notice, agreement, and places connected to the debt to find the right court, regulator, or legal-help service.

Explore Washington information →

This address preserves a dated source document behind the guide. The complete explanation covers the questions, comparisons and next steps for this subject.

If you came here to check a specific citation, open the original archive below. It includes its source dates and recorded qualifications.

Original source archive (optional)Original working documents, complete tables and revision history
About this archive

The explanation above is written for readers. These original working documents preserve the evidence trail, including technical language, dated passages and known corrections. They have not all received independent professional review. Use the marked limits before relying on a particular rule or figure.

DETAILED RESEARCH · EVIDENCE & LIMITS INCLUDED

1. Exact two-cell replacements

S_WA · pass-19-limited-01Captured 2026-10-294 tables · 2 claim records · 1 source recordsScoped coordinator review completed

Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.

How to read the research →

Read the related correction supplements

These components repair their stated scope. They do not replace every other finding in this research series.

SWA correction of the C070 coverage pinpoint →
SWA exact original-row completion →
Two bounded source corrections →

SettleADebt S_WA PASS-19 LIMITED-01

The fresh primary reading confirms the correction: the erroneous-exemption recovery sentence is in RCW 84.36.385(5), second paragraph. Subsection (4) addresses assessor renewal notification and renewal following an amendment of income requirements. Its legitimate renewal references remain unchanged. app.leg.wa.gov

This bounded overlay applies to original response e80d006d-66d4-5672-973f-cc4a82bbe156. It replaces only the erroneous-recovery locator in the two identified authority cells.

1. Exact two-cell replacements

Original location Existing authority cell Exact replacement authority cell
Raw table 5, data row 23 — S_WA-P19-C058 S018(4); S020, .130; S025, -150 S018(5); S020, .130; S025, -150
Raw table 11, data row 22 — K044 S025-150; S018(4); S020; C055/C058 S025-150; S018(5); S020; C055/C058

The replacement is S018(4) → S018(5) only where it supports erroneous-exemption recovery. No global substitution of subsection (4) is made.

2. Minimal source and claim traceability

Item Freshly verified source/read or preserved scope
Existing source identity S_WA-P19-S018, retained without renumbering.
Issuer and title Washington Legislature / Code Reviser — RCW 84.36.385, “Residences—Claim for exemption—Forms—Change of status—Publication and notice of qualifications and manner of making claims.”
Literal official URL https://app.leg.wa.gov/rcw/default.aspx?cite=84.36.385
Actual access date October 28, 2026, America/Los_Angeles.
Complete actual read bounds Entire current operative section, subsections (1)–(9), including both paragraphs of (5); section heading, displayed history, and on-page notes. Returned statutory/notes bounds: lines 130–162.
Version/status Current official HTML codification displayed at access. The history begins with 2023 c 147 §3. That history entry is not an opened-original or all-history certification.
Correct recovery pinpoint RCW 84.36.385(5), second paragraph: prior exemptions based on erroneous information; collection language with the RCW 84.40.130 penalty reference; period not exceeding five years.
Preserved subsection (4) use Renewal notification and renewal following amendment of income requirements. Those references are unaffected.

The complete section supports the locator distinction and preserves the five-year upper limit. This reading does not independently complete the incorporated penalty provision. app.leg.wa.gov

3. Claim and coverage preservation

Existing item What changes What remains unchanged
C058 Recovery authority changes from S018(4) to S018(5). The entire proposition, including its separate predicates for erroneous-exemption recovery and willful false-information consequences, and its rejection of an automatic sanction from an error or unsuccessful application.
K044 Matching recovery authority changes from S018(4) to S018(5). The change-reporting component, the up-to-five-years recovery measure, all predicates and qualifications, and the C055/C058 links.
S020 / RCW 84.40.130 No change. No new finding concerning willfulness, penalties, liability, or recovery; not reread in this limited correction.
S025 / rule -150 No change. No new rule-merits finding or revision of the change-reporting relation.
Other P19 references and coverage No change. Legitimate subsection (4) renewal references and all other findings remain within their original bounds.

4. Actual read/failure log and version limits

Operation Result Limit
Opened the supplied ordinary official RCW URL Success; complete operative body and displayed notes read One public-source access; no alternate route or retry needed.
Read subsections (4) and (5) within the complete section Confirmed the two different subject locations Used solely for the specified pinpoint correction.
Access failures None No failed-source fallback was invoked.
PDF/image inspection Not applicable; source was HTML No PDF or pixel-inspection claim.
Originals, incorporated provisions, and broader currentness No additional readings undertaken Existing original, version, incorporation, consequence, and currentness holds remain intact.

5. Gap preservation and researcher self-check

All 25 P19 holds remain unchanged. The original response, its provenance, and its substantive findings remain intact except for this expressly bounded two-cell locator overlay. No broader primary/version/consequence review is represented as completed, and no all-county or comprehensive currentness conclusion follows.

Researcher self-check: the complete requested current section was read; both replacements use subsection (5); the five-year measure and every existing predicate remain unchanged; legitimate subsection (4) references are preserved. This is a researcher self-check, not independent review or parent acceptance.

END S_WA PASS-19 LIMITED-01.

Every captured table

Captured cells with original header handling and explicitly labeled bounded correction overlays. Downloaded JSON retains original cells. Tables may contain source limitations, historical examples and identified corrections; the complete reading supplies context.

Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.

How to read the research →

Read the related correction supplements

These components repair their stated scope. They do not replace every other finding in this research series.

SWA correction of the C070 coverage pinpoint →
SWA exact original-row completion →
Two bounded source corrections →

Captured table 01

Original location · Existing authority cell · Exact replacement authority cell · 2 data rows

Original locationExisting authority cellExact replacement authority cell
Raw table 5, data row 23 — S_WA-P19-C058S018(4); S020, .130; S025, -150S018(5); S020, .130; S025, -150
Raw table 11, data row 22 — K044S025-150; S018(4); S020; C055/C058S025-150; S018(5); S020; C055/C058

Captured table 02

Item · Freshly verified source/read or preserved scope · 8 data rows

ItemFreshly verified source/read or preserved scope
Existing source identityS_WA-P19-S018, retained without renumbering.
Issuer and titleWashington Legislature / Code Reviser — RCW 84.36.385, “Residences—Claim for exemption—Forms—Change of status—Publication and notice of qualifications and manner of making claims.”
Literal official URLhttps://app.leg.wa.gov/rcw/default.aspx?cite=84.36.385
Actual access dateOctober 28, 2026, America/Los_Angeles.
Complete actual read boundsEntire current operative section, subsections (1)–(9), including both paragraphs of (5); section heading, displayed history, and on-page notes. Returned statutory/notes bounds: lines 130–162.
Version/statusCurrent official HTML codification displayed at access. The history begins with 2023 c 147 §3. That history entry is not an opened-original or all-history certification.
Correct recovery pinpointRCW 84.36.385(5), second paragraph: prior exemptions based on erroneous information; collection language with the RCW 84.40.130 penalty reference; period not exceeding five years.
Preserved subsection (4) useRenewal notification and renewal following amendment of income requirements. Those references are unaffected.
Source links captured in this table

Captured table 03

Existing item · What changes · What remains unchanged · 5 data rows

Existing itemWhat changesWhat remains unchanged
C058Recovery authority changes from S018(4) to S018(5).The entire proposition, including its separate predicates for erroneous-exemption recovery and willful false-information consequences, and its rejection of an automatic sanction from an error or unsuccessful application.
K044Matching recovery authority changes from S018(4) to S018(5).The change-reporting component, the up-to-five-years recovery measure, all predicates and qualifications, and the C055/C058 links.
S020 / RCW 84.40.130No change.No new finding concerning willfulness, penalties, liability, or recovery; not reread in this limited correction.
S025 / rule -150No change.No new rule-merits finding or revision of the change-reporting relation.
Other P19 references and coverageNo change.Legitimate subsection (4) renewal references and all other findings remain within their original bounds.

Captured table 04

Operation · Result · Limit · 5 data rows

OperationResultLimit
Opened the supplied ordinary official RCW URLSuccess; complete operative body and displayed notes readOne public-source access; no alternate route or retry needed.
Read subsections (4) and (5) within the complete sectionConfirmed the two different subject locationsUsed solely for the specified pinpoint correction.
Access failuresNoneNo failed-source fallback was invoked.
PDF/image inspectionNot applicable; source was HTMLNo PDF or pixel-inspection claim.
Originals, incorporated provisions, and broader currentnessNo additional readings undertakenExisting original, version, incorporation, consequence, and currentness holds remain intact.

Find the assertion and its boundaries

Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.

How to read the research →

Read the related correction supplements

These components repair their stated scope. They do not replace every other finding in this research series.

SWA correction of the C070 coverage pinpoint →
SWA exact original-row completion →
Two bounded source corrections →
S_WA-P19-L01-C001 Saved research record

["Raw table 5, data row 23 — S_WA-P19-C058", "S018(4); S020, .130; S025, -150", "S018(5); S020, .130; S025, -150"]

Recorded check status: exact subdivision only verified

S_WA-P19-L01-C002 Saved research record

["Raw table 11, data row 22 — K044", "S025-150; S018(4); S020; C055/C058", "S025-150; S018(5); S020; C055/C058"]

Recorded check status: exact subdivision only verified

Sources, pinpoints and access limits

Keep the source version, actual read extent and jurisdiction with the proposition. A link or researcher access claim is not a substitute for an operative primary passage.

S_WA-P19-S018 Saved research record

[["Item", "Freshly verified source/read or preserved scope"], ["Existing source identity", "S_WA-P19-S018, retained without renumbering."], ["Issuer and title", "Washington Legislature / Code Reviser — RCW 84.36.385, “Residences—Claim for exemption—Forms—Change of status—Publication and notice of qualifications and manner of making claims.”"], ["Literal official URL", "https://app.leg.wa.gov/rcw/default.aspx?cite=84.36.385"], ["Actual access date", "October 28, 2026, America/Los_Angeles."], ["Complete actual read bounds", "Entire current operative section, subsections (1)–(9), including both paragraphs of (5); section heading, displayed history, and on-page notes. Returned statutory/notes bounds: lines 130–162."], ["Version/status", "Current official HTML codification displayed at access. The history begins with 2023 c 147 §3. That history entry is not an opened-original or all-history certification."], ["Correct recovery pinpoint", "RCW 84.36.385(5), second paragraph: prior exemptions based on erroneous information; collection language with the RCW 84.40.130 penalty reference; period not exceeding five years."], ["Preserved subsection (4) use", "Renewal notification and renewal following amendment of income requirements. Those references are unaffected."]]

Recorded check status: bounded pinpoint compared complete current packet2655

Direct source URLs
https://app.leg.wa.gov/rcw/default.aspx?cite=84.36.385

What was examined—and what is still missing

The saved component-level coverage record keeps answered, partial, blank and unresolved branches distinct. A coverage label is not acceptance of a whole subject or jurisdiction.

coverage-1 Saved research record

C058erroneous-recovery sourcepinpoint

Recorded check status: recorded; no individual primary acceptance inferred

Existing item
C058
What changes
Recovery authority changes from S018(4) to S018(5).
What remains unchanged
The entire proposition, including its separate predicates for erroneous-exemption recovery and willful false-information consequences, and its rejection of an automatic sanction from an error or unsuccessful application.

Recorded coordinator check boundaries

coordinator acceptance
bounded_locator_corrected_otherpredicatesheld
coverage-2 Saved research record

K044matchingrecovery sourcepinpoint

Recorded check status: recorded; no individual primary acceptance inferred

Existing item
K044
What changes
Matching recovery authority changes from S018(4) to S018(5).
What remains unchanged
The change-reporting component, the up-to-five-years recovery measure, all predicates and qualifications, and the C055/C058 links.

Recorded coordinator check boundaries

coordinator acceptance
bounded_locator_corrected_otherpredicatesheld

Corrections, review and scope

Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.

How to read the research →

No currently queued material correction is mapped to this component. This does not remove its currentness, access, jurisdiction or application limits.

Recorded review disposition

bounded correction resolved other holds retained

Other components in this research series

S_WApass-03-citation-01

SWA correction of the C070 coverage pinpoint

Inside: 1. Source and usage register · 3. Old-versus-new patch table · 5. Source-version and quantity-or-unchanged table

6 tables6 claim records3 source recordsScoped review · limits applyCaptured 2026-10-28
S_WApass-03-citation-02

SWA exact original-row completion

Inside: 1. Source and usage register · 2. Corrected claim table · 3. Complete old/new patch table

7 tables3 claim records4 source recordsScoped review · limits applyCaptured 2026-10-28
S_WApass-18-limited-01

Two bounded source corrections

Inside: Two bounded source corrections · 1. Exact replacement claim table · 2. Necessary cross-reference patch table

7 tables2 claim records4 source recordsScoped review · limits applyCaptured 2026-10-29
S_WApass-01

Washington provider market access and consumer fees

Inside: Washington provider market access and consumer fees · 1. What Washington classifies as debt adjustment · Conduct controls the classification

9 tables40 claim records30 source recordsScoped review · limits applyCaptured 2026-10-23
S_WApass-02

Remaining fee interactions and patches to

Inside: Remaining fee interactions and patches to PASS-01 · A. Substantive findings · 1. Initial $25, the payment cap, cumulative retention, and a small first payment

8 tables19 claim records13 source recordsScoped review · limits applyCaptured 2026-10-23
S_WApass-03

Generic limitation periods, accrual, acknowledgment, payment and revival

Inside: Generic limitation periods, accrual, acknowledgment, payment and revival · How to read the registers · 1.1 Ordinary contracts, accounts, sales and leases

18 tables98 claim records45 source recordsScoped review · limits applyCaptured 2026-10-28
S_WApass-04

SWA Washington generic civil debt-action framework

Inside: 1. Reading conventions and authority boundaries · Authority and procedural-category comparison · 2.1 Courts, jurisdiction, venue, and procedural tracks

17 tables103 claim records112 source recordsScoped review · limits applyCaptured 2026-10-28
S_WApass-05

SWA Washington ordinary civil earnings garnishment

Inside: Reading conventions · A1. Legal categories, jurisdictional predicates, and authority levels · A2. Symbolic wage relations and adopted rate references

23 tables84 claim records39 source recordsScoped review · limits applyCaptured 2026-10-28
S_WApass-06

Washington non-earnings bank/deposit garnishment, account protections, and exemption process

Inside: Washington non-earnings bank/deposit garnishment, account protections, and exemption process · Reading and citation conventions · 1.1 What each authority governs

26 tables91 claim records31 source recordsScoped review · limits applyCaptured 2026-10-28
S_WApass-07

Washington homestead and ordinary nonwage, nondeposit property exemptions from execution

Inside: Washington homestead and ordinary nonwage, nondeposit property exemptions from execution · Reading conventions · 1.1 The principal distinctions

16 tables120 claim records29 source recordsScoped review · limits applyCaptured 2026-10-28
S_WApass-08

Washington nonjudicial deed-of-trust foreclosure, residential presale protections, cure, sale, postponement, and deficiency boundaries

Inside: Washington nonjudicial deed-of-trust foreclosure, residential presale protections, cure, sale, postponement, and deficiency boundaries · 1. Reading conventions and authority boundaries · Authority and category comparison

21 tables94 claim records27 source recordsScoped review · limits applyCaptured 2026-10-28
S_WApass-09

Judicial mortgage foreclosure, judicial sale, redemption, deficiency, and debt/security boundaries

Inside: Judicial mortgage foreclosure, judicial sale, redemption, deficiency, and debt/security boundaries · Reading conventions · A. Judicial-route gateway, instruments, actors, parties, and proof — Questions 1–2

18 tables106 claim records54 source recordsCorrections to readCaptured 2026-10-28
S_WApass-10

Washington Article 9A: default, possession, disposition, redemption, surplus, deficiency, and bounded remedies

Inside: Washington Article 9A: default, possession, disposition, redemption, surplus, deficiency, and bounded remedies · Reading conventions · 1. Material category, actor, authority, and event comparisons

20 tables111 claim records72 source recordsScoped review · limits applyCaptured 2026-10-28
S_WApass-11

SWA Washington consumer credit sales and retail installment obligations

Inside: 1. Principal findings · Identifier convention · 2. Material legal-category and authority comparisons

18 tables81 claim records45 source recordsScoped review · limits applyCaptured 2026-10-28
S_WApass-12

SWA Consumer personal-property leases and rental-purchase agreements

Inside: 1. Substantive findings by requested question · Question 1 — Governing regimes and classification · Question 2 — Agreement, disclosure, writing, and prohibited terms

15 tables112 claim records31 source recordsScoped review · limits applyCaptured 2026-10-28
S_WApass-13

SWA Residential rent arrears, nonpayment termination, deposits, and the summary-possession interface

Inside: Reading conventions · 1. Material category and authority comparisons · B. Rent increases, nonwaiver, and dishonored-payment boundaries

17 tables118 claim records99 source recordsScoped review · limits applyCaptured 2026-10-28
S_WApass-14

SWA Regulated residential electricity and natural-gas arrears, disconnection and restoration

Inside: Reading key and limits · 1.1 Statutes: instruments, literal URLs and read bounds · 1.2 Administrative-code instruments and section-by-section usage

19 tables114 claim records19 source recordsScoped review · limits applyCaptured 2026-10-28
S_WApass-15

SWA Hospital charity care, medical billing, and medical-debt collection

Inside: 1. Material legal-category and actor comparisons · 2A. Current codified operative sources · 2B. Adopted originals, federal poverty publication, interpretation, and status sources

19 tables112 claim records41 source recordsScoped review · limits applyCaptured 2026-10-28
S_WApass-16

Washington student-loan servicing and borrower protection

Inside: Washington student-loan servicing and borrower protection · 1. Material category and authority comparisons · Reading and identification conventions

18 tables120 claim records22 source recordsCorrections to readCaptured 2026-10-28
S_WApass-17

SWA Washington small-loan / payday / deferred-deposit component

Inside: 1. Reading conventions and evidentiary status · A. Category, actor, exemption, and territorial boundaries · B. License, endorsement, limited-agent, and financial-security structure

29 tables141 claim records134 source recordsScoped review · limits applyCaptured 2026-10-28
S_WApass-18

Ordinary nonmortgage Consumer Loan Act origination, pricing, agreement, payment, prepayment, refinancing and refund

Inside: Ordinary nonmortgage Consumer Loan Act origination, pricing, agreement, payment, prepayment, refinancing and refund · Reading conventions · 2. Atomic consequential claim ledger

23 tables122 claim records78 source recordsScoped review · limits applyCaptured 2026-10-29
S_WApass-19

Washington residential real-property tax arrears, relief, deferral, exemption and tax-foreclosure boundaries

Inside: Washington residential real-property tax arrears, relief, deferral, exemption and tax-foreclosure boundaries · 2. Source and usage ledger · Reading conventions

24 tables120 claim records82 source recordsCorrections to readCaptured 2026-10-29
S_WApass-20

Ordinary contested civil debt proof in Washington

Inside: Ordinary contested civil debt proof in Washington · 1.2 Assertions, admissions, affidavits, and declarations · 1.3 Documentary and electronic proof

21 tables165 claim records123 source recordsScoped review · limits applyCaptured 2026-10-29
Record integrity

Original saved Markdown SHA-256: a8fa2155c77f758a001cf82eae3f73a8ffdcb9e83b8aaf362273fb6a9e5ad7f9. Public formatting, private-reference removal and correction annotations are separate from that immutable original.

Get debt settlement help