The bill amends several sections of the Revised Code of Washington (RCW) concerning garnishment exemptions, specifically targeting RCW 6.15.010, 6.15.050, 6.27.140, and 6.27.100. Key changes include increasing the exemption limits for personal property, such as raising the exemption for bank accounts related to private student loan debt to $2,500 and for consumer debt to $2,000. Additionally, the bill introduces a mechanism for adjusting these exemption amounts every three years based on the consumer price index, ensuring they remain relevant. It also expands the definition of exempt income to include alimony and spousal support, thereby enhancing protections for individuals facing garnishment.

Moreover, the bill clarifies the procedures for issuing writs of garnishment, requiring judgment creditors to specify exemption amounts before serving notices or writs, based on guidelines from RCW 6.15.010(1)(d)(iii). It also allows for the omission of certain exemption language depending on the type of debt and outlines necessary forms for different debt types, such as child support and private student loans. The bill repeals conflicting previous legislation and establishes an effective date of July 1, 2025, emphasizing its importance for public peace, health, and safety, while ensuring debtors are informed of their rights and available exemptions.

Statutes affected:
Original Bill: 6.15.010
Substitute Bill: 6.15.010
Second Substitute: 6.15.010
Engrossed Second Substitute: 6.15.010, 6.15.050, 6.27.140, 6.27.100