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, including enhanced notice, documentation, and court procedures.
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 or seeking default judgments against Virginia consumers. should confirm how it applies to their specific situation before acting. There is a time constraint attached: July 1, 2025 (effective date of HB 444).. 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 creditors to provide additional notice to consumers before obtaining a default judgment, submit detailed affidavits of debt, and comply with stricter court review processes.
Who it affects
Collection agencies, debt buyers, collection law firms, and creditor first-parties operating in Virginia or seeking default judgments against Virginia consumers.
What you must do
Update default judgment procedures, revise affidavit templates, and ensure compliance with new notice and documentation requirements.
Deadline
July 1, 2025 (effective date of HB 444).
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