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Free tools & resourcesKnow where you stand before you call anyone
Free calculators, checkers, and reference guides built on Virginia and federal consumer law — the same rules we use in court. Get a first read in under a minute, then bring it to a free case review.
No tools match your search. Tell us what you need and we’ll point you to the right one.
Run your own numbers
Three questions we answer every week — now you can get a first read in under a minute.
Wage Garnishment Calculator
See exactly how much of your paycheck a creditor can take under Va. Code § 34-29 — and how much is protected by law.
CalculateStatute of Limitations Checker
Being chased over an old debt? Check whether Virginia’s deadline to sue on it may already have passed — before you pay a penny.
Check the deadlineLook it up
Useful Terms
Warrant in debt, homestead deed, time-barred debt — clear definitions of 60+ words Virginians meet in debt and credit disputes.
Browse termsCredit Bureau Dispute Addresses
The current mailing addresses for disputing errors with Equifax, Experian, and TransUnion — and how to dispute the right way.
Get the addressesVirginia Court Directory
Verified addresses and clerk phone numbers for 80 General District and Circuit Courts — plus what to expect at a debt hearing.
Find your courtWhy we built these
Most people facing a garnishment, an old debt, or a collector’s threats make their first decisions blind — and collectors count on that. A single payment on a time-barred debt can restart the statute of limitations. An ignored Warrant in Debt becomes a default judgment. A garnishment that takes more than the law allows keeps running until someone checks the math.
These tools give you that first read for free. They are educational estimates, not legal advice — but each one lays out the dates, the math, and the statutes, so when you do talk to us (or any lawyer), the conversation starts a mile ahead.
If a result worries you, don’t sit on it. The initial case review is free, and many consumer-protection claims let us recover our fees from the company that broke the law.
A tool can estimate. A lawyer can act.
Bring us your result — or just tell us what happened. We’ll let you know whether you have rights worth enforcing.
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