Virginia’s New Uniform Consumer Debt Default Judgments Act: What Creditors Need to Know About HB 444 - Consumer Financial Services Law Monitor
Virginia's HB 444 enacts the Uniform Consumer Debt Default Judgments Act, imposing new requirements on creditors seeking default judgments in consumer debt cases.
Aforeworn detected this change in the Debt Collection (FDCPA / State) space on July 6, 2026 and published this briefing so affected operators are forewarned rather than caught off guard. It is rated High urgency. Collection agencies, debt buyers, collection law firms, and creditor first-parties operating in Virginia should confirm how it applies to their specific situation before acting. There is a time constraint attached: July 1, 2025 (effective date). Acting after that point can mean penalties, a lapsed licence, or lost eligibility — exactly the kind of surprise Aforeworn exists to prevent. Aforeworn monitors Debt Collection (FDCPA / State) continuously and turns every detected change into a plain-English briefing like this one, so you always know first. Forewarned is forearmed.
What changed
New law requires additional documentation and notice before obtaining default judgments, including itemized statements and proof of service.
Who it affects
Collection agencies, debt buyers, collection law firms, and creditor first-parties operating in Virginia
What you must do
Update default judgment procedures to comply with new documentation and notice requirements.
Deadline
July 1, 2025 (effective date)
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