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Consumer protection & debt-defense lawyer for Campbell County

Sued over a debt, facing wage garnishment, or fighting a credit-report error in Campbell County? Krumbein Consumer Legal Services defends consumers in the General District Court and Circuit Court of Campbell County — and across Virginia since 1999.

Campbell County, Virginia
Campbell County · Photo: By nannetteturner; Nannette Turner, CC BY 2.0, via Wikimedia Commons

Krumbein Consumer Legal Services represents consumers throughout Campbell County in matters under the federal Fair Credit Reporting Act and Fair Debt Collection Practices Act, and in debt-collection cases filed in the General District Court and Circuit Court of Campbell County. We’re based in Glen Allen and have represented individual consumers in Virginia’s state and federal courts since 1999.

Most of the consumer cases we see from Campbell County start the same way: a Warrant in Debt arrives — often from a debt buyer that purchased the account for pennies on the dollar — or a paycheck suddenly comes up short because a garnishment took hold before anyone explained the exemptions. Both situations have real defenses, and both are far easier to win before a default judgment is entered than after. The worst move is to ignore the paperwork; the best move is to have it reviewed while every option is still open.

Where a debt lawsuit in Campbell County is heard

If a creditor or debt buyer sues you over a debt connected to Campbell County, the case is almost always filed in one of two courts. Knowing which one — and the date on your paperwork — is the difference between a defense and a default judgment.

Most collection lawsuits

Campbell General District Court

723 Village Highway
Rustburg, VA 24588

(434) 332-9546 · Court website

Warrant in Debt claims, garnishment summonses, and civil suits up to $25,000.

Larger suits & appeals

Campbell Circuit Court

732 Village Highway
Rustburg, VA 24588

(434) 332-9517 · Court website

Civil suits over $25,000 and appeals from the General District Court.

Court addresses and phone numbers are published by the Virginia Judicial System; confirm details with the clerk before a deadline, as locations and hours can change. For directions, the clerk’s number, and a practical guide to what happens at a debt hearing, see our page on Campbell General District Court.

How we help in Campbell County

The first case review is free. Many consumer-protection claims also let us recover attorney’s fees from the company that broke the law, so a strong case can cost you little or nothing out of pocket. We’ll explain how fees and costs work for your situation during that review.

Campbell County — common questions

A Warrant in Debt is a civil debt-collection lawsuit, not a criminal arrest warrant. It lists a return date at Campbell General District Court. If you do not appear (or have an attorney appear) on that date, the court can enter a default judgment against you, and the creditor can then pursue wage garnishment or a bank levy. Before that return date, we can review the paperwork, check whether the debt is actually yours and still within Virginia's statute of limitations, and raise any defenses you have.
Most consumer collection cases against Campbell County residents are filed in Campbell General District Court, which hears Warrant in Debt claims and garnishments up to $25,000. Larger lawsuits and appeals are handled by Campbell Circuit Court.
Only after a creditor wins a judgment against you — usually through a Warrant in Debt. Even then, federal law limits how much of each paycheck can be taken, and Virginia's homestead exemption can protect part of what is left. We move to stop or reduce garnishments, protect your exemptions, and challenge the judgment behind the garnishment when there are grounds.
Yes. We represent consumers throughout Lynchburg & the Southern Piedmont, including Campbell County, from our office in Glen Allen, and have appeared in Virginia's state and federal courts since 1999. Many consumer-protection claims also let us recover our fees from the company that broke the law. Call 804.592.0792 for a free case review.
Virginia's statute of limitations depends on the kind of debt — generally 3 years for an open account or oral agreement, 5 years for a written contract, and longer for promissory notes and judgments. The same deadlines apply in Campbell General District Court as everywhere else in Virginia. Be careful: a single payment or a written acknowledgment can restart the clock. Our free statute-of-limitations checker gives you a first read before you say a word to a collector.
Often little or nothing out of pocket. The FCRA and FDCPA both require the company that broke the law to pay the consumer's attorney's fees when the claim succeeds. The initial case review for Campbell County residents is free — call 804.592.0792 or send a message and we'll tell you honestly whether you have a case worth pursuing.

Check your numbers before you call anyone

Free tools, built on the same statutes we argue in Campbell General District Court — get a first read in under a minute and bring it to your free case review.

Further reading

About Campbell County

Campbell County is a United States county situated in the south central part of the Commonwealth of Virginia. Located in the Piedmont region of Virginia, Campbell borders the Blue Ridge Mountains. At the 2020 census, the county population was 55,696. The number of residents has grown steadily in every census after 1930, and the total population has more than doubled since that time. The county seat is Rustburg.

More about Campbell County on Wikipedia

Nearby areas we serve

Serving a different community? See every city, county, and town we cover across Virginia, read more about our practice areas, or browse answers to common questions.

Free case review

Facing a debt or credit problem in Campbell County?

Tell us what happened and we’ll tell you whether you have rights worth enforcing — and exactly what to do next. The first case review is free and confidential.

Want to read up first? See our answers to common questions.

Call now — free case review 804.592.0792