Services Available in West 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 West Virginia
West Virginia Consumer Credit and Protection Act - W. Va. Code Section 46A-2-122
- Comprehensive consumer protection law
- Private right of action with attorney fees
- Wage garnishment limited to 20% (more protective)
- Strong enforcement by AG office
Statute of Limitations in West Virginia
After this period, collectors cannot sue you to collect the debt.
| Debt Type | Time Limit |
|---|---|
| Credit Card | 10 years |
| Medical Bills | 10 years |
| Auto Loan | 4 years |
| Written Contract | 10 years |
| Oral Contract | 5 years |
Wage Garnishment Rules in West Virginia
Up to 20% of disposable income (more protective than federal 25%)
Featured Professionals in West Virginia
Midland Credit Management
✓ VerifiedOne of the largest debt purchasers and collectors in the United States, handling billions in consume...
View ProfileMedical Billing Advocates of America
✓ VerifiedNational medical billing advocacy service helping patients and providers recover overpayments and bi...
View ProfileSkip Tracers National
✓ VerifiedNational skip tracing service with access to proprietary databases, providing accurate location info...
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