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Consumer protection & debt-defense lawyer for Warsaw

Sued over a debt, facing wage garnishment, or fighting a credit-report error in the Town of Warsaw, Richmond County? Krumbein Consumer Legal Services defends consumers in the courts of Richmond County — and across Virginia since 1999.

Warsaw, Virginia
Warsaw · Photo: Warsawvirginia, CC BY-SA 4.0, via Wikimedia Commons

Krumbein Consumer Legal Services helps residents of the Town of Warsaw and the rest of Richmond County with credit-reporting and debt-collection problems. Collection lawsuits here are generally heard in the courts of Richmond County. We’re based in Glen Allen and have represented individual consumers across Virginia since 1999.

For the Town of Warsaw residents, the two deadlines that decide most debt cases are the return date printed on a Warrant in Debt and Virginia’s statute of limitations on the debt itself. Miss the first and a default judgment — followed by wage garnishment — can land without the creditor proving anything. Catch the second and a time-barred debt can be defeated outright, because a collector who sues on a debt it knows is too old may itself be violating federal law.

Where a debt lawsuit in the Town of Warsaw is heard

If a creditor or debt buyer sues you over a debt connected to the Town of Warsaw, 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

Richmond County Combined District Court

201 Court Circle
Warsaw, VA 22572

(804) 333-4616 · Court website

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

Larger suits & appeals

Richmond County Circuit Court

101 Court Circle
Warsaw, VA 22572

(804) 333-3781 · Court website

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

Note: This is rural Richmond County in Warsaw on the Northern Neck — not the City of Richmond.

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 Richmond County Combined District Court.

How we help in the Town of Warsaw

Credit Report Errors

Fair Credit Reporting Act (FCRA)
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Debt Collector Harassment

Fair Debt Collection Practices Act (FDCPA)
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Warrant in Debt Defense

Virginia General District Court
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Summons & Complaint Defense

Debt-collection lawsuits
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Wage Garnishment Defense

Virginia & federal garnishment law
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Identity Theft Recovery

FCRA & Virginia identity-theft law
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Mixed & Merged Credit Files

Fair Credit Reporting Act (FCRA)
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Debt Relief & Bankruptcy Alternatives

Debt-settlement & bankruptcy counseling
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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.

The Town of Warsaw — common questions

A Warrant in Debt is a civil debt-collection lawsuit, not a criminal arrest warrant. It lists a return date at Richmond County Combined 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 the Town of Warsaw residents are filed in Richmond County Combined District Court, which hears Warrant in Debt claims and garnishments up to $25,000. Larger lawsuits and appeals are handled by Richmond County 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 Northern Neck & Middle Peninsula, including the Town of Warsaw, 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 Richmond County Combined 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 the Town of Warsaw 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 Richmond County Combined 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.

Calculate

Statute of Limitations Checker

Is the old debt past Virginia’s deadline to sue? Check before you pay a penny.

Check the deadline

Further reading

About the Town of Warsaw

Warsaw is an incorporated town in and the county seat of Richmond County, Virginia, United States. The population was 1,637 at the 2020 census and is estimated to be 2,330 as of 2023.

More about Warsaw 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 the Town of Warsaw?

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.

Start your free case review Call 804.592.0792

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

Call now — free case review 804.592.0792