Regular Division, you fill out a Warrant in Debt (Form DC-412). You can file a lawsuit--called a Warrant in Debt-- in the General District Court where the property is located.There is no exemption solely because you are having difficulty paying your debts. The law provides that certain property and wages cannot be taken in garnishment. Such property is said to be exempted. Call now for a free consultation (703) 494-3323 we serve ALL of Virginia! Introduction. This manual is intended to assist persons who are involved in the administration of a decedent's estate in Virginia. The law says that Treasury may withhold money to satisfy an overdue (delinquent) debt. Secured Debt and Qualified Home are explained later. Both you and the lender must intend that the loan be repaid. Note.