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Virginia Debt Relief Laws

With no state fair debt collection law, consumers in Virginia should refer to the Fair Debt Collection Practices Act. (FDCP) if they’ve ben a victim of debt collector harassment. Some of the rules collectors must follow include:

  • Collectors cannot trick you into paying for collect calls or telegrams
  • Debt collectors cannot threaten and misrepresent who they are or what their company does
  • Collectors cannot send correspondence in postcard form and can only display the agency’s name and address on the envelope
  • You cannot be charged additional fees from a collector for your debt
  • Collectors cannot publish or post your name
  • If you are being represented by an attorney, the collector or agency must work through that attorney and not you
  • You can only be contacted by a collector between 8am and 9pm (unless you’ve agreed to another time)
  • You have up to 30 days to dispute a debt--once the written dispute is set in motion the collector cannot contact you until it provides you with documentation

If a debt collection agency violates the law, Virginians should file a complaint with the Virginia Attorney General. Additionally, Virginia consumers can also sue collectors for performing illegal practices under the federal Fair Debt Collection Practices Act (FDCPA) and be awarded up to $1,000 in damages.

Virginia Statue of Limitations (SOL)

Virginia has a three-year statue of limitation (SOL) on open accounts such as credit cards, meaning that the creditor can contact you for up to three years. For written contracts creditors can pursue you for up to five years. Consumers can consider Virginia debt settlement during the time the account remains open.

In Virginia, certain non-income wages are protected from garnishment:

  • Pensions: Virginia protects public worker pensions (including city, town and county employees)
  • Public benefits/assistance-- workers’ compensation, unemployment compensation, crime victim’s compensation and veteran’s benefits and aid to the blind, aged and disabled
  • Insurance and annuity protection--Virginia protects several types of insurance and annuities, so consumers should check their attorney

Virginia Credit Card Debt Relief Act of 2010

The Credit Card Debt Relief Act of 2010 has streamlined the methods for repaying debt and regulated how collectors work with debtors. The Act has impacted debt relief collections several ways:

  • The number of fraudulent or weak performing credit card companies are gone
  • Reduces the chances of falling victim to fraudulent debt settlement companies due to new Federal Trade Commission (FTC) reforms
  • Increased, open communication from creditors--more information is provided to help you eliminate your loans
  • Debt settlement companies cannot request upfront fees from clients

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