What is consumer debt defense law?

Consumer debt defense law is a body of regulations that protect individuals and families in Virginia from unfair and illegal debt collection practices. This law is designed to protect consumers from aggressive debt collection tactics and to make sure they receive the proper legal help they need to manage their debts effectively. Consumer debt defense law protects consumers from things such as harassing phone calls, wage garnishment, and threats of lawsuits from collectors. Any person or collection agency trying to collect a debt must follow certain laws. These laws include things like proper notification of the debt amount, explanation of rights to the borrower, and a certain amount of days for the borrower to respond. The law also provides resources for individuals to find legal help if they are facing debt collection. This includes access to free or low-cost legal aid and debt relief programs. The Department of Consumer Affairs also provides resources such as online education and complaints against collectors. Overall, consumer debt defense law is in place to protect individuals from unfair and illegal debt collection practices. This law ensures that debt collectors are held to a certain standard, and if they do not follow it, the borrower has the right to take legal action. This law is designed to protect consumers from harmful and unethical debt collection practices and help them get the legal assistance they need to manage their debts effectively.

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What is consumer debt defense law?

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