Virginia credit laws

Citation:

Va. Code 59.1-444.4

Virginia medical care facilities, licensed health professionals and emergency medical services agencies may not report any part of a medical debt to a consumer reporting agency. Collectors of medical debt may not report their collection efforts either.

Source checked Sep 29, 2026

Citation:

Va. Code 59.1-444.2

Virginia law lets you place a security freeze on your credit file, which stops a credit bureau from releasing your report to most new creditors until you lift it. Since September 21, 2018, federal law also makes placing and lifting a freeze free at each nationwide credit bureau.

Source checked Sep 29, 2026

Citation:

Va. Code 59.1-335.1 et seq.

Virginia regulates businesses that charge to improve a consumer's credit record, history or rating. The federal Credit Repair Organizations Act also applies: these companies may not charge before the promised services are fully performed, and you can cancel a contract within 3 business days.

Source checked Sep 29, 2026

Citation:

Va. Acts 2026, ch. 395

Effective:

Jul 1, 2027

Starting July 1, 2027, a creditor suing on a consumer debt in Virginia must include specific statements and a consumer notice in the warrant before a court can enter a default judgment. The state court system will create a standard notice form.

Source checked Sep 29, 2026

Citation:

Va. Code 59.1-611 to 59.1-613

Effective:

Jul 1, 2026

Large Virginia health care facilities and medical debt buyers may not charge interest or late fees on medical debt until 90 days after the due date on the final invoice, and any interest or late fees may not exceed 3 percent of the debt per year. Medical creditors and collectors may not use extraordinary collection actions such as causing an arrest, foreclosing on real property, placing a lien on personal property, or garnishing the wages of someone who qualifies for financial assistance.

Source checked Sep 29, 2026