West Virginia Debt Collection Laws and Statutes

AccountsReceivable.com handles debt collections throughout the entire state of West Virginia.

Below you will find important information on West Virginia state debt recovery laws including: West Virginia Statutes, Judgments, Garnishments, Interest Rates, and Bad Check Laws.

STATE: WEST VIRGINIA

Interest Rate

  • Legal: 6% (contract rate prevails, and can vary between 18% and 31% max)
  • Judgment: 9.75% (changes each year based on a certain Federal rate)

STATUTE OF LIMITATIONS (IN YEARS)

  • Open Account: 5
  • Written Contract: 10
  • Domestic Judgment: 10
  • Foreign Judgment: 10

BAD CHECK LAWS (CIVIL PENALTY)

Amount due, service charge up to $10. If check is less than > $500.00 = misdemeanor. If check is greater than $500.00 = felony.

GENERAL GARNISHMENT EXEMPTIONS

See West VA code 38-5A-3-Employees withhold 20% of disposable income or 30 x the min. hourly rate, whichever is less. Other exemptions apply.

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