Virginia residents may have an idea of what an estate plan is. However, they may think that it is something that they create at some point in the future. Ideally, individuals will create a plan as soon as possible and continue to update it as they get older. This is often a good idea even for those who don't think that they have a lot that they need to account for.
Debt collectors in Virginia and around the country have become increasingly aggressive in recent years, and daily calls demanding payment have become the norm for people who are struggling to make ends meet. The tactics used by third-party bill collectors often border on harassment, and they may also violate federal law. The Fair Debt Collection Practices Act was signed into law in 1977 by President Jimmy Carter, and it prohibits debt collectors from engaging in unfair, deceptive, or abusive practices to secure payment.