medical debt protection act

Virginia Medical Debt Laws: What Applies in Virginia

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Virginia Medical Debt Laws

The Virginia Medical Debt Protection Act goes into effect on July 1, 2026, fundamentally changing how collectors can pursue patient balances. Once active, the law caps interest rates on medical debt at 3% annually, down from the much higher rates currently allowed on judgments. “Qualified patients” will be completely protected from wage garnishment for medical … Read more

Virginia Medical Debt Statute of Limitations: 5 years

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Virginia Medical Debt Statute Of Limitations

The Virginia medical debt statute of limitations is 5 years, giving debt collectors a strict timeline to file a lawsuit against you. Making a partial payment or acknowledging the debt in writing can reset this 5-year clock back to the first day. Virginia is fundamentally changing its collection rules with the Medical Debt Protection Act, … Read more