West Virginia Regulated Consumer Loan Collection Check

Live. Collecting a West Virginia loan above 18%? 46A-5-101(2): unlicensed lender = void, no principal or finance charge owed; licensed caps 31/27/18%.

Collecting a West Virginia consumer, online or payday loan above 18% a year? Checks each loan and contact against the WV Consumer Credit and Protection Act: without a regulated consumer lender license the loan is void and neither principal nor finance charge is owed, with payments recoverable (46A-5-101(2)); licensed loans are capped at 31% / 27% / 18% by size and security (46A-4-107). Flags collecting void or excess charges (46A-2-127(d), 46A-2-128(d), FDCPA 1692f(1)) and arrest threats (46A-2-124). Not legal advice.

Price: $0.001 per call after 1,000 free per month.

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