VIRGINIA INTEREST RATE - Legal: 8% Judgment: 9% or contract rate whichever is higher STATUTE OF LIMITATIONS (IN YEARS) - Open Acct.: 3 Last charge or payment Written Contract: 5 Domestic Judgment: 20 Foreign Judgment: 10 Sales of goods under article 2 is 4 years BAD CHECK LAWS (CIVIL PENALTY) - Lesser of $250 or three times check amount   GENERAL GARNISHMENT EXEMPTIONS - See federal law COLLECTION AGENCY BOND & LICENSE - Contact: Secretary of the Commonwealth 830 East Main Street, 14th Floor Richmond, VA 23219 Phone: (804) 786-2441 email:socmail@governor.virginia.gov web: www.commonwealth.virginia.gov