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Virginia Fair Debt Collection Practices Act

Virginia Fair Debt Collection Statute

Virginia does not have its own Virginia Fair Debt Collection Practices Act, but Virginia consumers harmed by a debt collector’s illegal tactics remain under the protection of Federal Fair Debt Collection Practices Act and other consumer protection laws. These laws can also help stop creditors and debt collectors from contacting your employer, neighbors and family regarding your debt and in some instances, even provide monetary damages to consumers who have been victimized by unfair debt collection procedures in the Virginia of Virginia.

If your consumer rights have been violated by illegal or abusive tactics, contact a Fair Debt Lawyer today for a free case consultation. Owing a debt does not give a debt collector the right to treat you unfairly.

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  1. So, I was late on a couple of car payments. They sent a tow truck to my parents house…btw I am well over legal age..and they proceeded to tell my 75 year old father what I owed, how many payments I was past due, etc. I was not home and they did not take the car. However, I was wondering since he is not on the title, did not cosign, etc. Is this legal? I did not think they were able to disclose that to a party that had nothing to do with the loan?

    • I don’t believe it is. I would definitely contact an attorney. I specifically read where it said a debt collector can contact family but cannot advise them as to what it is in relations to. Only that they are trying to reach you. They can leave a name and number but not the reason they’re calling. If it’s a tow truck company giving the info, technically they aren’t the debt collector. They’re a recovery company. I would talk to someone. I’m not sure if the laws apply to recovery.

  2. My husband just received a summons from a debt collector. We are not sure what we are suppose to do. Yes we incurred the debt, but my husband was active duty military at the time and then died and was brought back. This of course ended his career and he was out of work for a time. We had every intention of paying the money, however we only just got reestablished. It is going to take me a couple of months to get a job as I am a teacher and school is now out. We both have school loan debt and we had to make hard choices, like pay our mortgage payment or live on the street and pay a credit card payment. What do we do?

    • We need to see it, and any other collection letters. Could violate your FDCPA rights, could be cash damages and/or leverage against the debt. We emailed you, please reply or call.

  3. I had a garnishment for an auto loan. The garnishment ended but still have debt left over to pay. I called to set up a payment plan since the garnishment was taking 25% of my check every two weeks. And they told me I had to pay $200 a month. Otherwise it would be taken back to court. Can they make me pay a certain amount? Or should I be able to pay what I can, in hopes of paying it off?

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