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Home/Attorneys/Montagna Klein Camden

Montagna Klein Camden

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425 Monticello Avenue, Norfolk, VA, 23510

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425 Monticello Avenue
Norfolk, VA 23510

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Wage Garnishment Defense in Virginia

Virginia wage garnishment is capped at federal limits (25% of disposable income or 30× minimum wage) — and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.

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Virginia consumers facing debt-collection lawsuits have powerful defenses — federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.

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Virginia student loans CAN be discharged in bankruptcy under the "undue hardship" Brunner test, plus DOJ's 2022 guidance has made it dramatically easier. Other federal options — IDR, PSLF, forgiveness — also relevant.

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Bruce H Gould & Assoc