VA HB444

Establishes the Uniform Consumer Debt Default Judgments Act in Virginia, creating new requirements for debt collectors seeking default judgments against consumers who do not respond to lawsuits.

Requires complaints to include specific information such as the creditor's name, account number, date and amount of last payment, outstanding balance, itemized judgment amount, and chain of ownership if the debt was sold.

Mandates plaintiffs attach documentation proving the debt exists, such as a signed agreement, payment record, or other evidence, plus documentation of authority to collect if the plaintiff is not the original creditor.

Requires a separate consumer notice warning defendants that failure to respond may result in default judgment, explaining potential consequences including wage garnishment, property seizure, and negative effects on employment and credit for at least 10 years.

Takes effect July 1, 2027, and any waiver of these requirements by a consumer is void, though voluntary settlement agreements are still permitted.