Virginia Fair Debt Collection Law
Virginia doesn't have a state fair debt collection law (other than a misdemeanor criminal law relating to debt collectors faking legal processes), so if you've been the victim of debt collector harassment, your best bet is to use the federal Fair Debt Collection Practices Act (FDCPA) to bring the debt collection agency to justice. The FDCPA makes certain debt collector tactics illegal, and gives you the right to sue a debt collection agency in federal court. If the debt collection agency has broken the law, you can receive actual expenses, attorney fees, and up to $1,000.
With the help of a fair debt attorney, you can often reach a settlement with a debt collection agency that either puts money in your pocket or erases part or all of that debt. Complete the form to the right, and the legal team at StopCollector.com will provide you with a free case evaluation. If the debt collector has violated the FDCPA, we'll take your case absolutely free.
File a Complaint
If you've been the victim of illegal fair debt or fair credit practices, you should file a complaint with the Virginia Attorney General. Often, attorneys general use consumer complaints as the basis for filing lawsuits against debt collection agencies. Filing a complaint is a way of making your voice heard, and of helping to put a stop to unethical debt collection practices.
You can download a complaint form from the Virginia Attorney General's office by clicking here.
Here's the contact information to call or send a written complaint to the Virginia Attorney General:
Office of Consumer Affairs
102 Governor Street
Richmond, VA 23219
804-786-2042 or 800-552-9963
You should also file a complaint with the Federal Trade Commission (FTC). The FTC is responsible for enforcing the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. It looks at patterns of consumer complaints and holds shady debt collection agencies accountable by suing them and fining them. It’s also required to provide Congress with an annual report about debt collection and credit reporting practices that includes the number of consumer complaints filed. You can file a complaint with the FTC by clicking here.
