The FCRA and FDCPA give you the right to sue. 28Solutio generates every VA court form, tracks every statutory deadline, and walks you from dispute letter to collected judgment. Self-help, not legal advice.
Small claims limit
$5,000
Individual plaintiffs
Service window
60 days
To serve every defendant after filing
Judgment lifetime
20 years
Renewable — up to 40 years with renewal
Post-judgment interest
6.00%
Accrues from the day judgment enters
Dispute under FCRA
Certified mail to the bureau. 30 days to investigate under 15 USC §1681i.
Document the violation
If the bureau ignores or rubber-stamps, that’s a federal violation worth $100–$1,000 per occurrence.
File in Virginia small claims
We pre-fill the complaint, civil cover sheet, and summons for your Virginia court. Filing fee: from $36.
Serve the defendant
Personal service or certified mail — whichever your court allows. Once served, the answer clock starts.
Answer window runs
21 days for personal service. If the defendant ignores you, the case is yours by default.
Request + enter default judgment
One-click packet: Request for Entry of Default + Declaration of Amount Due + Proposed Judgment.
Collect in Virginia
Abstract of judgment, writ of execution, wage garnishment. Interest accrues daily at 6.00%.
Written contract
5 years
Oral contract
3 years
FCRA claims
2 years
15 USC §1681p
FDCPA claims
1 years
15 USC §1692k(d)
Time starts running from the date of the violation or discovery, whichever applies. Consult a licensed attorney if you’re unsure whether your claim is timely.