Washington is a non-judicial foreclosure state with strong borrower protections, including the WA Foreclosure Fairness Act mediation program. You do not receive a Summons — instead, file a civil lawsuit in WA Superior Court.
Washington uses non-judicial foreclosure under the Deed of Trust Act (RCW 61.24). The key features: 90-day NOD waiting period, Foreclosure Fairness Act mediation, and a 90-day NTS requirement. You must file a civil lawsuit to stop the sale.
Request Foreclosure Mediation Immediately
Under the WA Foreclosure Fairness Act (RCW 61.24.163), you can request mediation with a neutral third party. The lender must participate. Request within 20 days of receiving the NTS.
File Your Lawsuit in Superior Court
File a civil complaint in the Superior Court of the county where the property is located. Common claims: Deed of Trust Act violations, dual tracking, failure to offer mediation, TILA/RESPA claims. Filing fee: $200-$500.
| Type | Non-Judicial (Deed of Trust Act, RCW 61.24) |
| NOD Period | 90 days minimum |
| Mediation | Foreclosure Fairness Act — request within 20 days of NTS |
| Court | WA Superior Court (county of property) |
| Filing Fee | $200-$500 |
Use the Foreclosure Fairness Act mediation. 90-day timeline gives you time.
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