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Va. Code § 46A-2-128 provides: No debt collector may use unfair or unconscionable means to collect or attempt to collect any claim. Without limiting the general application of the foregoing, the following conduct is deemed to violate this section . . .
Receipts; statements of account; evidence of payment.
Code § 46A-5-108 went into effect, requiring West Virginia consumers to send a written ?Notice of Right to Cure? to a creditor or debt collector prior to instituting any action under Articles 2, 3, or 4 of the West Virginia Consumer Credit and Protection Act (the WVCCPA).
Oppression and abuse. (d) Calling any person more than thirty times per week or engaging any person in telephone conversation more than ten times per week, or at unusual times or at times known to be inconvenient, with intent to annoy, abuse, oppress or threaten any person at the called number.
(c) ?Debt collection? means any action, conduct or practice of soliciting claims for collection or in the collection of claims owed or due or alleged to be owed or due by a consumer. (d) ?Debt collector? means any person or organization engaging directly or indirectly in debt collection.
Under West Virginia law, the lender has to personally deliver or mail a notice of default, which may be sent after you (the borrower) have been in default for five days, to your last known address. This notice gives you ten days to cure the default. But you'll lose the right to cure after three defaults.
West Virginia Code §11-22-1, provides for exemptions to paying the Transfer Tax Fee. Deeds must specifically state the reason for exemption, otherwise, the Transfer Tax Fee will be charged. Every Deed recorded requires a completed Sales Listing Form to be attached. The Sales Listing Form can be found here.
(a) Except for reasonable expenses, including costs and fees authorized by statute incurred in realizing on a security interest, the agreements that evidence a consumer credit sale or a consumer loan may not provide for charges as a result of default by the consumer other than those authorized by this chapter.