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Areas we serveConsumer protection & debt-defense lawyer for Orange County
Sued over a debt, facing wage garnishment, or fighting a credit-report error in Orange County? Krumbein Consumer Legal Services defends consumers in the General District Court and Circuit Court of Orange County — and across Virginia since 1999.
Krumbein Consumer Legal Services represents consumers throughout Orange 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 Orange 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 Orange 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 Orange County is heard
If a creditor or debt buyer sues you over a debt connected to Orange 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.
Orange General District Court
110 North Madison Road, Suite 100
Orange, VA 22960
Warrant in Debt claims, garnishment summonses, and civil suits up to $25,000.
Orange Circuit Court
110 North Madison Road, Suite 300
Orange, VA 22960
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 Orange General District Court.
How we help in Orange County
Credit Report Errors
Debt Collector Harassment
Warrant in Debt Defense
Summons & Complaint Defense
Wage Garnishment Defense
Identity Theft Recovery
Mixed & Merged Credit Files
Debt Relief & Bankruptcy Alternatives
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.
Orange County — common questions
Check your numbers before you call anyone
Free tools, built on the same statutes we argue in Orange General District Court — get a first read in under a minute and bring it to your free case review.
Garnishment Calculator
How much of your paycheck is protected under Va. Code § 34-29 — and how much is at risk.
CalculateStatute of Limitations Checker
Is the old debt past Virginia’s deadline to sue? Check before you pay a penny.
Check the deadlineFurther reading
- Served With a Warrant in Debt in Virginia: Step by Step
- Wage Garnishment in Virginia: What They Can Take
- How to Dispute a Credit Report Error the Right Way
About Orange County
Orange County is located in the central Piedmont region of the Commonwealth of Virginia. At the 2020 census, the population was 36,254. Its county seat is Orange. Orange County includes Montpelier, the 2,700-acre (1,100 ha) estate of James Madison, the 4th president of the United States and often known as the "father of the Constitution". The county celebrated its 290th anniversary in 2024.
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.
Facing a debt or credit problem in Orange 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.