Virginia
For Virginia, statute is § 59.1-612; interest rate cap is no such interest or late fees shall exceed three percent of the amount of such medical debt per annum; delay before interest may start is until 90 days following the due date applicable to the final invoice; limit on selling the debt or garnishing wages is B. No medical creditor or medical debt collector shall use any of the following extraordinary collection actions to collect medical debts: 1. Causing an individual's arrest; 2. Causing an individual to be subject to a writ of body attachment; 3. Foreclosing on an individual's real property; 4. Placing a lien on an individual's personal property; or 5. Garnishing the wages of any individual qualifying for financial assistance under the financial assistance policy applicable to the underlying medical debt; notes is E. No medical creditor or medical debt collector shall take any extraordinary collection action until 120 days following the due date applicable to the final invoice for a health care service, verified against its source on 2026-08-31.
- State
- Virginia our reading
- Statute
- § 59.1-612 verified
- Interest rate cap
- no such interest or late fees shall exceed three percent of the amount of such medical debt per annum verified
- Delay before interest may start
- until 90 days following the due date applicable to the final invoice verified
- Limit on selling the debt or garnishing wages
- B. No medical creditor or medical debt collector shall use any of the following extraordinary collection actions to collect medical debts: 1. Causing an individual's arrest; 2. Causing an individual to be subject to a writ of body attachment; 3. Foreclosing on an individual's real property; 4. Placing a lien on an individual's personal property; or 5. Garnishing the wages of any individual qualifying for financial assistance under the financial assistance policy applicable to the underlying medical debt. verified
- Notes
- E. No medical creditor or medical debt collector shall take any extraordinary collection action until 120 days following the due date applicable to the final invoice for a health care service. verified
Values marked our reading are our classification of what the source says — the source does not print them in those words. The quote below is the evidence for each one; judge it yourself.
What the source says
§ 59.1-612. Billing and collection rules; limits on creditors. A. No large health care facility or medical debt buyer shall charge a patient any interest or late fees on medical debt until 90 days following the due date applicable to the final invoice, and no such interest or late fees shall exceed three percent of the amount of such medical debt per annum.
— law.lis.virginia.gov, retrieved 2026-08-31
Where each value comes from
This source states these in separate places, so each value is shown with the passage that states it.
Interest rate cap and Delay before interest may start
A. No large health care facility or medical debt buyer shall charge a patient any interest or late fees on medical debt until 90 days following the due date applicable to the final invoice, and no such interest or late fees shall exceed three percent of the amount of such medical debt per annum.
Limit on selling the debt or garnishing wages
B. No medical creditor or medical debt collector shall use any of the following extraordinary collection actions to collect medical debts: 1. Causing an individual's arrest; 2. Causing an individual to be subject to a writ of body attachment; 3. Foreclosing on an individual's real property; 4. Placing a lien on an individual's personal property; or 5. Garnishing the wages of any individual qualifying for financial assistance under the financial assistance policy applicable to the underlying medical debt.
Notes
E. No medical creditor or medical debt collector shall take any extraordinary collection action until 120 days following the due date applicable to the final invoice for a health care service.
— all from law.lis.virginia.gov, retrieved 2026-08-31
Source
- law.lis.virginia.govhttps://law.lis.virginia.gov/vacodefull/title59.1/chapter59/