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DebtShield

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WV Debt Laws

West Virginia Debt Collection Laws

Know your rights in West Virginia. The statute of limitations, garnishment rules, and exempt income can make or break your debt dispute.

10 years

Credit card SOL

10 years

Written contract SOL

20% of disposable earnings

Garnishment limit

West Virginia Collection Law

WV Consumer Credit and Protection Act

File complaints with: AG Consumer Protection

Income Protected from Garnishment in West Virginia

Social Security
Unemployment
Workers' comp
Pension

Key West Virginia Protections

Low 20% wage garnishment limit
$35,000 homestead exemption

Federal Laws (Apply in West Virginia)

  • FDCPA (15 USC § 1692) — debt collector conduct rules
  • FCRA (15 USC § 1681) — credit reporting accuracy
  • FTC Act § 5 — unfair/deceptive practices
  • CFPB Reg F — debt collection communication rules
Generate West Virginia Debt Dispute Letter

DebtShield auto-cites West Virginia laws + FDCPA