Virginia gets a "D" when it comes to protecting consumers from illegal debt collection practices.
Check out this report:
http://www.nclc.org/images/pdf/pr-reports/report-no-fresh-start.pdf
Two of the worst debt collection operations in the country are in Roanoke! Atlantic Credit and Finance (run by the Woolwine brothers, Richard and Kelly) and the Law Offices of John P. Frye (a cousin of the Woolwines).
Elections right around the corner-raise hell about this!