The Debt Collection Playbook
Proof is Power
Contracts, invoices, texts, emails… gather all evidence of the debt.
Time is Your Ally (and Their Enemy)
Interest accrues. Late fees may apply. The longer they wait, the more they may owe.
Track Every Penny
Principal, interest, late fees… don't miss a dollar.
The Debtor's Options
Many states allow you to recover collection costs, including attorney fees in some cases. Know your rights.
Debt Collection Laws
Applicable Laws
- FDCPA
- West Virginia Consumer Credit and Protection Act - W.Va. Code § 46A-2
Small Claims Limit
$10,000
Consumer Protection Agency
West Virginia AG / CFPB
Kanawha County Debt Collection Resources
Local Court Information
Kanawha Magistrate Court - Small Claims
Filing Fee: $45-$75
Local Consumer Protection
West Virginia AG / CFPB
Serving: Charleston, South Charleston, St. Albans, Nitro, Dunbar
Collection Combat FAQ
When Do I Strike?
After the second broken promise. Time to get serious.
What If They Ignore It?
Then you may need to consider legal action. Consult an attorney.