FILE THIS OPINION WAS FILED
IN CLERK’S OFFICE FOR RECORD AT 8 A.M. ON
SEPTEMBER 21, 2023
SUPREME COURT, STATE OF WASHINGTON
SEPTEMBER 21, 2023
ERIN L. LENNON
SUPREME COURT CLERK
IN THE SUPREME COURT OF THE STATE OF WASHINGTON
CERTIFICATION FROM THE UNITED
STATES DISTRICT COURT FOR THE No. 101444-9
WESTERN DISTRICT OF
WASHINGTON IN EN BANC
MATTHEW and MELANIE NELSON, Filed: September 21, 2023
Plaintiff,
v.
P.S.C., INC.,
Defendant.
STEPHENS, J.—The certified questions in this case ask us to interpret
Washington’s so-called marital bankruptcy statute, RCW 26.16.200. The marital
bankruptcy statute generally shields spouses and the marital community from
liability for each other’s separate, premarital debts. However, the statute contains
an exception permitting creditors to reach a spouse’s “earnings and accumulations”
to satisfy a separate debt where the creditor reduces that debt “to judgment within
three years of the marriage.” RCW 26.16.200 (emphasis added). We must
determine the meaning of the statutory language “within three years of the marriage”
as used in this proviso, specifically whether the statute permits a creditor to garnish Nelson v. P.S.C., Inc., No. 101444-9
a debtor spouse’s wages to satisfy a separate debt that was reduced to judgment more
than three years prior to the marriage.
Plaintiffs Matthew and Melanie Nelson (collectively Nelsons) married in
2020. The following year, defendant Puget Sound Collections Inc. (PSC), a debt
collection agency, garnished Matthew’s wages in an attempt to satisfy a 2014 default
judgment against him and his former wife, stemming from her medical expenses.
The Nelsons argue RCW 26.16.200 requires any eligible debt be reduced to
judgment within the three years before and the three years after the marriage. In
their view, the marital bankruptcy statute bars PSC from garnishing Matthew’s
wages because the 2014 judgment was entered too soon and not “within three years”
of their 2020 marriage. In contrast, PSC argues “within three years of the marriage”
simply means “not later in time than three years after the marriage.” Under this
interpretation, PSC lawfully garnished Matthew’s wages because it reduced the debt
to judgment not later than three years after the Nelsons’ marriage.
While the Nelsons’ interpretation may hold some logical appeal, and their
situation is certainly sympathetic, only PSC’s interpretation of RCW 26.16.200
effectuates the purpose of the statute to provide limited debt collection relief to
diligent creditors. We answer the first and second certified questions based on the
statute’s plain language and hold that “within” in this context means “not later in
time than” three years of the marriage. This interpretation permits wage garnishment
2
Nelson v. P.S.C., Inc., No. 101444-9
where, as here, the creditor had reduced the debt to judgment more than three years
before the marriage. As to the additional certified question, which asks whether
Washington law places any limitation on the amount of wages subject to
garnishment, the Nelsons correctly concede this issue. We hold that where other
statutory requirements are met, RCW 26.16.200 permits a creditor to garnish the
entirety of the debtor spouse’s wages.
FACTS AND PROCEDURAL HISTORY
Plaintiff Matthew Nelson and his former wife, nonparty Patricia Nelson,
incurred substantial medical bills around 2013. Unpaid bills were assigned to
defendant PSC for collection. PSC sued in Kitsap County Superior Court following
unsuccessful attempts to collect on the debt. Neither Matthew nor Patricia1 appeared
in that action, and on June 11, 2014, the superior court entered a default judgment
against them in the amount of $69,706.14. The parties do not dispute the validity of
the judgment.
Matthew and Patricia divorced. Matthew married plaintiff Melanie Nelson on
September 5, 2020. In October 2021, PSC obtained a 60-day writ of garnishment
against Matthew’s wages in Kitsap County Superior Court in an attempt to satisfy
the premarital debt. Matthew alleges he did not know about the 2014 default
judgment until the October 2021 garnishment. By that time, the total balance owed
1
First names are used for clarification. No disrespect is intended.
3
Nelson v. P.S.C., Inc., No. 101444-9
had ballooned to $123,794.50 due to daily interest accruing over the course of
several years.
In March 2022, PSC obtained another 60-day writ of garnishment against
Matthew. By this point, and despite the previous wage garnishment, the outstanding
balance had climbed to $126,277.68. Matthew describes this as “an amount that I
could never pay in my lifetime.” Fed. Dist. Ct. Doc. (Doc.) 10-1, at 2. Together,
the Nelsons have five children and live paycheck to paycheck. Matthew works as a
painter and Melanie works as a medical assistant.
In May 2022, the Nelsons commenced this action in King County Superior
Court, pleading various claims under the Fair Debt Collection Practices Act
(FDCPA), 15 U.S.C. §§ 1692-1692(p); Washington’s Consumer Protection Act
(CPA), ch. 19.86 RCW; and Washington’s Collection Agency Act, ch. 19.16 RCW.
The Nelsons allege that PSC engaged in unlawful debt collection practices by
garnishing Matthew’s community property wages to satisfy a separate, premarital
debt. The complaint seeks actual and statutory damages in addition to injunctive
relief barring future wage garnishments. PSC removed the lawsuit to the United
States District Court for the Western District of Washington.
Before the close of discovery, the Nelsons moved for partial summary
judgment on the issue of liability. The Nelsons’ theory of liability rests on
interpretation of RCW 26.16.200, which provides that creditors may not reach “the
4
Nelson v. P.S.C., Inc., No. 101444-9
earnings and accumulations of either spouse” to satisfy a separate debt unless “the
same is reduced to judgment within three years of the marriage.” (Emphasis added.)
The Nelsons argued the 2014 judgment predated the period “within three years” of
their 2020 marriage, so PSC was not authorized to garnish Matthew’s wages. PSC
responded that “within three years of the marriage” means the subject judgment must
be entered “‘not longer in time than three years following the marriage.’” Doc. 13,
at 6. Under that interpretation, PSC acted well within the statutory time frame when
it obtained the default judgment in 2014, allowing its garnishment of Matthew’s
wages to satisfy his separate debt.
Concluding that the proper interpretation of RCW 26.16.200 poses unsettled
issues of Washington state law, particularly the meaning of “within” in RCW
26.16.200, Judge John C. Coughenour entered an order sua sponte certifying two
questions to this court. Doc. 17, at 2. We accepted amicus curiae briefing from the
Association of Credit and Collection Professionals (ACA) International and amici
curiae briefing from the Northwest Justice Project, Northwest Consumer Law
Center, Sexual Violence Law Center, and Legal Voice.
5
Nelson v. P.S.C., Inc., No. 101444-9
CERTIFIED QUESTIONS PRESENTED 2
1. What is the meaning of the term “within” as used in RCW 26.16.200?
2. If a spouse’s separate property debt had been reduced to judgment more than
three years prior to marriage, does Washington law bar garnishment of that
spouse’s marital wages in satisfaction of that judgment?
3. Where garnishment is allowed under RCW 26.16.200, may the entirety of the
debtor spouse’s marital wages be garnished and, if not, what are the
limitations on garnishment?
ANALYSIS
We review certified questions de novo. Fowler v. Guerin, 200 Wn.2d 110,
118, 515 P.3d 502 (2022). The certified questions here present issues of statutory
interpretation that we also review de novo. Jametsky v. Olsen, 179 Wn.2d 756, 762,
317 P.3d 1003 (2014).
At issue is the marital bankruptcy statute. That statute contains a general
provision and two provisos:
Neither person in a marriage or state registered domestic partnership is
liable for the debts or liabilities of the other incurred before marriage or
state registered domestic partnership, nor for the separate debts of each
other, nor is the rent or income of the separate property of either liable
2
In the district court’s order of certification, questions two and three are combined as one. See Doc. 17, at 2. For clarity, we have slightly reformulated and simplified these questions as separate inquiries. See Affil. FM Ins. Co. v. LTK Consulting Servs. Inc., 556 F.3d 920, 922 (9th Cir. 2009) (Washington Supreme Court may reformulate questions as it sees fit); Kellogg v. Nat’l R.R. Passenger Corp., 199 Wn.2d 205, 214, 504 P.3d 796 (2022) (same).
6
Nelson v. P.S.C., Inc., No. 101444-9
for the separate debts of the other: PROVIDED, That the earnings and
accumulations of the spouse or domestic partner shall be available to
the legal process of creditors for the satisfaction of debts incurred by
such spouse or domestic partner prior to the marriage or the state
registered domestic partnership. For the purpose of this section, neither
person in the marriage or the state registered domestic partnership shall
be construed to have any interest in the earnings of the other:
PROVIDED FURTHER, That no separate debt, except a child support
or maintenance obligation, may be the basis of a claim against the
earnings and accumulations of either spouse or either domestic partner
unless the same is reduced to judgment within three years of the
marriage or the state registered domestic partnership of the parties.
RCW 26.16.200 (emphasis added). This case requires us to interpret the second
proviso, which makes a spouse’s “earnings and accumulations” available to creditors
to satisfy a premarital debt so long as that debt “is reduced to judgment within three
years of the marriage.” Id. Specifically, the first certified question asks that we
determine the meaning of the statutory term “within” as used in that clause. The
meaning of “within” will determine our answer to the second certified question,
which asks whether RCW 26.16.200 bars garnishment of a debtor spouse’s marital
wages to satisfy a judgment obtained more than three years before the marriage.
Both parties argue the statutory text unambiguously supports their respective
position. The Nelsons argue “within three years” means a three-year period before
and after their marriage on September 5, 2020. Under this interpretation, PSC could
garnish Matthew’s wages only if it had reduced his debt to judgment between
approximately September 2017 and September 2023. Because PSC obtained the
default judgment in 2014, the Nelsons read RCW 26.16.200 to bar PSC from
7
Nelson v. P.S.C., Inc., No. 101444-9
garnishing his wages. In contrast, PSC argues “within three years” means “not later
in time than three years after the date of marriage.” Under this interpretation, the
statute allows PSC to garnish Matthew’s wages because it had reduced the debt to
judgment no later than September 5, 2023—indeed several years prior to the
marriage.3
We conclude that the statutory language unambiguously supports PSC’s
reading of the text, and though the parties offer competing interpretations, only
PSC’s interpretation is reasonable in light of the language and purpose of RCW
26.16.200. Even if we found the statutory language ambiguous, the legislative
history supports PSC’s reading. We answer the first certified question by holding
that as used in RCW 26.16.200, “within” means “not later in time than three years
after the marriage.” We therefore answer the second certified question in the
negative: where a creditor reduces a debt to judgment more than three years before
the debtor’s marriage, RCW 26.16.200 does not bar the creditor from garnishing the
debtor spouse’s wages in satisfaction of that debt. The third certified question is not
3
The Nelsons suggest a third plausible interpretation: that RCW 26.16.200 is silent as to premarital judgments. Pls.’ Resp. Br. at 2-3 & n.2, 33-34 (“the only other possible construction would be that RCW 26.16.200 simply does not contemplate judgments obtained prior to marriage,” in which case the proviso would not apply and the general rule would remain, thus prohibiting garnishment of Matthew’s wages). They do not endorse this interpretation, and it is unsupported by the statute’s plain language.
8
Nelson v. P.S.C., Inc., No. 101444-9
in dispute, and we answer that the statute places no limitation on the entirety of the
debtor spouse’s wages being subject to garnishment.
I. RCW 26.16.200 Unambiguously Permits a Creditor To Garnish a Debtor
Spouse’s Wages To Satisfy a Separate Debt That Has Been Reduced to
Judgment No Later Than Three Years after the Date of Marriage
We resolve the first and second certified questions based on the statute’s plain
language. When interpreting statutory language, our “fundamental objective is to
ascertain and give effect to the legislature’s intent.” Lenander v. Dep’t of Ret. Sys.,
186 Wn.2d 393, 405, 377 P.3d 199 (2016); see also Burnside v. Simpson Paper Co.,
123 Wn.2d 93, 99, 864 P.2d 937 (1994) (“Statutes should be interpreted to further,
not frustrate, their intended purpose.”). We begin with the plain meaning of the
statute. Lenander, 186 Wn.2d at 405. “In doing so, we consider the text of the
provision in question, the context of the statute in which the provision is found,
related provisions, amendments to the provision, and the statutory scheme as a
whole.” Id. If the meaning of the statute is plain on its face, then we give effect to
that meaning as an expression of legislative intent. Id. But if, after this inquiry, the
statute remains ambiguous, the court “‘may resort to statutory construction,
legislative history, and relevant case law for assistance in discerning legislative
intent.’” Jametsky, 179 Wn.2d at 762 (quoting Christensen v. Ellsworth, 162 Wn.2d
365, 373, 173 P.3d 228 (2007)). A statute is not ambiguous merely because different
9
Nelson v. P.S.C., Inc., No. 101444-9
interpretations are conceivable. It is ambiguous only if more than one interpretation
is reasonable. Cerrillo v. Esparza, 158 Wn.2d 194, 201, 142 P.3d 155 (2006).
We construe statutory provisos “‘in the light of the body of the statute, and in
such a manner as to carry out the legislature’s intent as manifested by the entire act
and laws in pari materia therewith.’” Wash. State Legislature v. Lowry, 131 Wn.2d
309, 327, 931 P.2d 885 (1997) (quoting State v. Wright, 84 Wn.2d 645, 652, 529
P.2d 453 (1974)). “‘Provisos operate as limitations upon or exceptions to the general
terms of the statute to which they are appended and as such, generally, should be
strictly construed with any doubt to be resolved in favor of the general provisions,
rather than the exceptions.’” Id. (quoting Wright, 84 Wn.2d at 652).
As used in RCW 26.16.200, the term “within” unambiguously means “not
later in time than,” as PSC urges. This is the only interpretation that is both
reasonable and furthers rather than frustrates the legislature’s intent. Such is clear
when considering the second proviso in light of the entire statute and the context in
which the language was added. See Columbia Riverkeeper v. Port of Vancouver
USA, 188 Wn.2d 421, 440, 395 P.3d 1031 (2017) (“Plain language analysis . . . looks
to amendments to the statute’s language over time.”). 4 RCW 26.16.200 comprises
4
The parties rely on dictionary definitions in interpreting RCW 26.16.200. So did the Court of Appeals in Washington Trust Bank v. Kozak, __ Wn. App. 2d __, 533 P.3d 152 (2023), a recent case analyzing the same statutory proviso at issue here. “Within” is undefined by statute, and often dictionary definitions may help illuminate the plain
10
Nelson v. P.S.C., Inc., No. 101444-9
a general provision and two provisos, which were added by amendment in 1969.5
The general provision shields spouses and the marital community from liability for
each other’s premarital debts, subject to exceptions outlined in the provisos. “The
effect of the general statute prior to the 1969 amendment was that immediately upon
a debtor’s marriage, a creditor lost the ability to enforce the claim against the new
marital community.” Watters v. Doud, 92 Wn.2d 317, 322, 596 P.2d 280 (1979).
We have recognized the “harsh” effects of this broad general rule. Id. The first
proviso limits the scope of the general rule, making the “earnings and
accumulations” of a debtor spouse available to creditors of that spouse for the
satisfaction of premarital debts. RCW 26.16.200. The second proviso then modifies
the first proviso, limiting the creditors’ ability to attach a spouse’s “earnings and
accumulations” in satisfaction of a separate debt to situations where the debt “is
reduced to judgment within three years of the marriage.” Id. Together, the provisos
serve[] to soften the effect of the main provision in that the creditor is
no longer faced with marital bankruptcy from the moment of the
debtor’s marriage. Rather, pursuant to the amendment, a creditor is
entitled to either 3 years of payments on the debt after the marriage
from community assets or in the case of default, he may reduce his
meaning of undefined terms. Am. Legion Post No. 32 v. City of Walla Walla, 116 Wn.2d 1, 8, 802 P.2d 784 (1991). But in this instance, the definition of “within” will necessarily depend on context, and dictionary definitions can be found to support either party’s interpretation. Therefore, these definitions do not aid in our understanding of the statutory text.
5
RCW 26.16.200 was later amended twice more in 1983 and 2008, but neither amendment is relevant here.
11
Nelson v. P.S.C., Inc., No. 101444-9
claim to judgment within 3 years of the marriage to reach community
assets during the life of the judgment.
Watters, 92 Wn.2d at 322 (holding the second proviso is not a statute of limitations).
The legislature plainly intended the provisos to curb the harsh effects of the
general marital bankruptcy rule by providing limited relief to diligent creditors. As
PSC and amicus ACA International accurately observe, the Nelsons’ interpretation
of “within” would frustrate this purpose by punishing creditors that act too
diligently, i.e., by diligently reducing the debtor spouse’s obligation to judgment
more than three years prior to the marriage. This approach is unreasonable because
a creditor cannot know when this three-year period preceding the marriage will occur
until it is already over. The Nelsons’ interpretation “results in one party losing its
right to enforce a judgment without notice and at a point in time that is only
knowable retroactively.” Def.’s Opening Br. at 15; see also Am. Br. of Amicus
Curiae ACA Int’l at 11-12 (“This interpretation leaves creditors unable to know how
the statute affects their rights. A prudent and diligent creditor who seeks to collect
close to the time of the debt [is left] vulnerable to the debtor’s election to erase the
debt by starting a new marriage.”); Wash. Tr. Bank v. Kozak, __ Wn. App. 2d __,
533 P.3d 152, 158 (2023) (“The effect of [the debtor]’s proposed interpretation is to
punish the timely creditor.”). The legislature plainly did not intend this result when
it amended the general provision in favor of a more limited rule that benefits
creditors.
12
Nelson v. P.S.C., Inc., No. 101444-9
The Nelsons’ interpretation is similarly inconsistent with the purpose of the
general provision. See Lowry, 131 Wn.2d at 327 (provisos must be construed “‘in
the light of the body of the statute, and in such a manner as to carry out the
legislature’s intent as manifested by the entire act’” (quoting Wright, 84 Wn.2d at
652)). We have observed that “the general provision of RCW 26.16.200 . . . was
intended to protect one spouse from vicarious liability for the separate obligations
of the other.” Haley v. Highland, 142 Wn.2d 135, 147, 12 P.3d 119 (2000). But
accepting the Nelsons’ interpretation would create a three-year safe harbor period
from creditors that predates the marriage—when there is no spouse to protect. See
Kozak, 533 P.3d at 158. We therefore reject the Nelsons’ reading of RCW 26.16.200
and hold that “within” means “not later in time than” because this is the only
reasonable interpretation in light of the plain language and purpose of both the
second proviso and the entire statute.
The Nelsons counter that PSC’s interpretation of “within” wrongly relies on
finding a connection between the debt and the marriage. See Pls.’ Resp. Br. at 18-22 (arguing PSC’s interpretation “presupposes a causal relationship” between two
unconnected events—marriage and financial disputes with creditors). For example,
in the phrase “consume this juice within one week of opening,” “within” means “not
later in time than” because one must open the juice to consume it. Id. at 20. Thus,
in the Nelsons’ view, “within” cannot mean “not later in time than” because a debt
13
Nelson v. P.S.C., Inc., No. 101444-9
may be reduced to judgment at any point in time irrespective of the parties’ marriage.
While this argument may have some logical appeal, it misses the mark. Under RCW
26.16.200, a debtor’s subsequent marriage directly impacts the creditor’s rights with
respect to premarital debts. Immediately upon the debtor’s marriage, the creditor
loses the ability to collect against marital community assets subject only to certain
exceptions outlined in the statute. Thus, the statute does not regard these events as
independent of one another. Because they are connected, it follows that “within
three years of the marriage” should be understood to mean “not later in time than
three years after the marriage.”
Though the statute is unambiguous, even if we were to conclude otherwise
and resort to statutory construction, the legislative history supports PSC’s
interpretation. See Jametsky, 179 Wn.2d at 762 (court may resort to statutory
legislative history to interpret ambiguous statutes). As noted, both provisos in RCW
26.16.200 were added to the statute in 1969. See LAWS OF 1969, Ex. Sess., ch. 121.
The original bill included only the first proviso—not the second. See H.B. 110, 41st
Leg., Reg. Sess. (Wash. 1969). The original bill thus would have profoundly
narrowed the general marital bankruptcy protection by making a spouse’s wages
available to creditors for the satisfaction of that spouse’s premarital debts without
requiring the creditor to timely reduce such debts to judgment. Representative
Bottiger moved to amend the bill by adding the second proviso that imposes the
14
Nelson v. P.S.C., Inc., No. 101444-9
three-year time limit for creditors to reduce the debt to judgment—a compromise
between the spouses’ and the creditors’ interests. See HOUSE JOURNAL, 41st Leg.,
Reg. Sess., at 400 (Wash. 1969). Speaking in favor of the amendment,
Representative Bottiger anticipated the precise factual circumstances before us
involving a divorced person who remarries but, under the original H.B. 110, would
be forever liable for their former spouse’s debt:
The problem with the bill as we have written it is that in the event of
the divorce and remarriage of one of the parties, the same rule
applies. . . . I’ll use the illustration of say a long-term contract on
something like a[n] automobile, . . . the husband originally signed the
contract, and so therefore if several years later, and take in the case of
a home ten years later, the wife does not make the payments, the
creditor forecloses, gets a deficiency judgment on the mortgage, and
then goes looking for the other party. [The creditor] will win, they can
collect from the former husband or wife who is now reestablished, has
his own budget, his own problems, and all of a sudden here comes a bill
that his wife was ordered to pay and didn’t pay. Now I would like to
have had this amendment read one year, so that we could tell these
people: for a year, you’re on the hook here. If she doesn’t pay you can
be forced to pay. But I don’t think that would be quite fair to creditors
and I’ve offered the amendment at three years. So that these parties
remarry, for the first three years they will be subject to these other
debts. And after that, if the thing hasn’t been reduced to judgment, they
don’t have to worry about [the pre-marriage debts] anymore. I think
it’s a compromise of the two positions and I urge its adoption.
H. Floor Proc., H.B. 110, 41st Leg., Reg. Sess. (Feb. 27, 1969) at 29 min., 53 sec. to
33 min., 24 sec. (statement of Rep. Bottiger) (emphasis added), https://digital
archives.wa.gov/Record/View/D0C0AD420B7C7F1F3FFAF1D8CB576641.
15
Nelson v. P.S.C., Inc., No. 101444-9
Representative Bottiger clearly stated the intent that spouses remain “on the
hook” for a separate, premarital debt if “after” “the first three years” of marriage the
creditor has failed to reduce the debt to judgment. Id. One legislator’s comments
from the floor ordinarily are not determinative of legislative intent, but “we presume
[Representative Bottiger] understood the meaning of the amendment which he
proposed.” Duke v. Boyd, 133 Wn.2d 80, 87, 942 P.2d 351 (1997). And this
understanding is reflected in the comments of the opposition, too. Representative
Clarke spoke against the amendment, but he similarly understood “within three
years” to mean a period after the marriage: “[T]he purpose of this bill is to extend
the liability of these individuals insofar as their own earnings are concerned so that
after marriage they will still be liable to the creditor.” H. Floor Proc., supra, at 33
mins., 55 sec. to 34 min., 10 sec. (statement of Rep. Clarke) (emphasis added).
Nothing in the legislative history suggests the legislature intended to cut off the
debtor spouse’s liability where the debt had already been reduced to judgment more
than three years before the marriage. To the contrary, the legislative history shows
the legislature plainly understood “within three years” to mean “not later than three
years from the date of marriage.” Thus, even if the statute could be read to suggest
more than one reasonable interpretation, the legislative history supports PSC’s
interpretation.
16
Nelson v. P.S.C., Inc., No. 101444-9
The Nelsons cite two cases in support of their interpretation, but neither helps
them. See Jametsky, 179 Wn.2d at 762 (court may resort to relevant case law to
interpret ambiguous statutes). First, in Casa del Rey v. Hart, the Court of Appeals
held that RCW 26.16.200 permits a creditor to reach the debtor spouse’s earnings to
satisfy a separate child support obligation from a prior marriage. 31 Wn. App. 532,
539-40, 643 P.2d 900 (1982), review denied, 98 Wn.2d 1006 (1982). Casa del Rey
is silent on the issue at hand: whether a creditor may reach a debtor spouse’s wages
to satisfy a debt reduced to judgment more than three years before the marriage.
And, at any rate, the debt in that case was reduced to judgment approximately two
years and eight months before the debtor remarried. Id. at 533-34. PSC correctly
notes that the outcome of Casa del Rey would be the same under either party’s
interpretation of the law, and its analysis therefore does not aid in answering the
certified questions before us.
Second, the Nelsons cite White v. Skagit Bonded Collectors, LLC, No. C21-0697-LK, 2022 WL 2046286, at *6 (June 7, 2022) (court order) (because the creditor
“obtained the judgment in 2010, which was not within three years of the [debtor]s’
marriage in 2016,” RCW 26.16.200 barred the creditor from garnishing the debtor
spouse’s wages (citation omitted)). We are not bound by federal district court
decisions, and we decline to follow the analysis in White. There, the court relied on
a comment in Professor Harry Cross’s prominent law review article to interpret the
17
Nelson v. P.S.C., Inc., No. 101444-9
statute. White, 2022 WL 2046286, at *6 (citing Harry M. Cross, The Community
Property Law in Washington (Revised 1985), 61 WASH. L. REV. 13, 129 (1986)).
That article states, “The three-year period within which judgment must be entered
may precede the marriage.” Cross, supra, at 129. But the only cite supporting this
statement is Casa del Rey, which, as discussed, did not actually determine whether
RCW 26.16.200 shields the debtor spouse’s wages where the debt was reduced to
judgment more than three years before the marriage.
The Nelsons’ cited cases do not support reading RCW 26.16.200 contrary to
its plain language. That language and the legislative history both counsel in favor
of PSC’s interpretation. We answer the first certified question by holding that
“within” three years in RCW 26.16.200 means “not later in time than” three years
after the marriage. Accordingly, we answer the second certified question in the
negative because, properly understood, RCW 26.16.200 does not bar wage
garnishment in satisfaction of a debt that has been reduced to judgment more than
three years before the debtor’s marriage.
II. RCW 26.16.200 Places No Additional Limits on the Amount of Wages
Subject to Garnishment
The third certified question asks whether the entirety of the debtor spouse’s
marital wages may be garnished where the creditor successfully reduces the debt to
judgment within three years of the marriage. Nothing in RCW 26.16.200 or related
statutes limits the amount of earnings subject to garnishment so long as RCW
18
Nelson v. P.S.C., Inc., No. 101444-9
26.16.200’s other requirements are satisfied. The Nelsons concede this issue. We
therefore answer “yes” and hold that under RCW 26.16.200, a creditor that reduces
a separate debt to judgment within three years of the marriage may garnish the
entirety of the debtor spouse’s wages to satisfy the judgment.
ATTORNEY FEES
The Nelsons request attorney fees pursuant to RAP 18.1(a). They base their
request on RCW 19.86.090 (the CPA) and 15 U.S.C. § 1692k (the FDCPA). Though
the Nelsons express uncertainty whether attorney fees are available in the context of
a certified question, we have previously awarded attorney fees in this context. See
Jin Zhu v. N. Cent. Educ. Serv. Dist.-ESD 171, 189 Wn.2d 607, 624, 404 P.3d 504
(2017). However, attorney fees are permitted only in successful actions under the
CPA and FDCPA. 15 U.S.C. § 1692k(a)(3); Schmidt v. Cornerstone Invs., Inc., 115
Wn.2d 148, 170, 795 P.2d 1143 (1990). Because the Nelsons have not prevailed, an
award of fees is not authorized and we deny their request.
CONCLUSION
RCW 26.16.200, the so-called marital bankruptcy statute, provides a limited
exception for premarital debts that are reduced to judgment “within three years of
marriage.” In answer to the first and second certified questions, we conclude this
proviso unambiguously permits a creditor to garnish a debtor spouse’s earnings and
accumulations in satisfaction of a judgment obtained more than three years prior to
19
Nelson v. P.S.C., Inc., No. 101444-9
the marriage. The phrase “within three years of marriage” requires the creditor to
obtain a judgment not later than three years after the marriage. We answer the third
certified question in the affirmative because RCW 26.16.200 does not limit the
amount of wages subject to garnishment where other statutory requirements are
satisfied.
WE CONCUR:
Rumbaugh, J.P.T.
20