Services Available in Virginia
Debt Collection Agencies
Third-party agencies that collect unpaid debts on behalf of creditors. They typi...
20-40% of collected amount
Contingency Fee Lawyers
Attorneys who take cases on a contingency basis - they only get paid if you win....
33-40% of settlement/judgment
Bail Bond Recovery
Licensed bail enforcement agents (bounty hunters) who locate and return fugitive...
10-20% of the bail bond amount
Asset Recovery Services
Specialists in locating and recovering lost, stolen, or abandoned assets includi...
15-35% of recovered assets
Medical Billing Recovery
Specialists who audit medical bills for errors and recover overcharges from hosp...
25-35% of recovered overcharges
Judgment Enforcement
Specialists who collect on court judgments that debtors refuse to pay. They use ...
30-50% of collected judgment
Skip Tracing Services
Investigators who locate people who have 'skipped' - fled without paying debts, ...
Flat fee $50-500 per locate, or percentage if bundled with collectionYour Rights in Virginia
Virginia Consumer Protection Act - Va. Code Section 59.1-196
- Prohibits fraudulent and deceptive practices
- Private right of action with actual and punitive damages
- Exemptions for pension and retirement income
- AG enforcement available
Statute of Limitations in Virginia
After this period, collectors cannot sue you to collect the debt.
| Debt Type | Time Limit |
|---|---|
| Credit Card | 5 years |
| Medical Bills | 5 years |
| Auto Loan | 5 years |
| Written Contract | 5 years |
| Oral Contract | 3 years |
Wage Garnishment Rules in Virginia
Up to 25% of disposable income
Featured Professionals in Virginia
Midland Credit Management
✓ VerifiedOne of the largest debt purchasers and collectors in the United States, handling billions in consume...
View ProfileEncore Capital Group
✓ VerifiedLeading debt purchasing and collection company specializing in acquiring and managing charged-off co...
View ProfilePortfolio Recovery Associates
✓ VerifiedMajor debt purchaser and collector with operations across the US and internationally. Specializes in...
View Profile