Everything you need to know about credit card debt in Virginia: the statute of limitations is 5 years, garnishment is capped at 25% of disposable earnings, and 2 state-specific protections apply to your case.
5 years
Statute of limitations (open/revolving accounts)
$5,221
Avg. credit card debt in US
25% of disposable earnings
Garnishment limit
In Virginia, credit card debt falls under open/revolving accounts with a statute of limitations of 5 years. Once the SOL expires, collectors cannot sue you for the debt — but they can still call. If you make a payment or acknowledge the debt in writing, the SOL clock may restart under Virginia law.
Credit/Open
5 years
Written
5 years
Oral
3 years
These strategies combine federal FDCPA protections with Virginia-specific laws like the Virginia Consumer Protection Act.
In Virginia, the SOL for this debt type is 5 years — check if your debt has expired.
If a collector wins a judgment for credit card debt in Virginia, garnishment is limited to: 25% of disposable earnings.
Virginia Consumer Protection Act
File complaints: AG Consumer Protection
These Virginia-specific protections apply to your credit card debt case:
All Virginia Debt Laws
SOL, garnishment, protections for all debt types
Credit Card Debt Dispute Guide
Strategies, laws, and tips nationwide
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