Foreclosure Law in Virginia

This page covers foreclosure law as it applies in Virginia — the state and federal laws that govern it, filing deadlines, where to get help, and notable in-state decisions. For what foreclosure protects generally, see the national overview.

Compiled from primary legal sourcesNot legal adviceHow we source this

Laws that govern foreclosure in Virginia

Virginia state law

Motor Vehicles › Chapter 15. Motor Vehicle Dealers › Article 1. Motor Vehicle Dealers, Generally VA 46.2 § 46.2-1500
Cited in 14 court decisions on this topic's terms.
Taxation › Chapter 32. Real Property Tax › Article 11. Tax to Constitute Lien VA 58.1 § 58.1-3340
Cited in 12 court decisions on this topic's terms.
Courts Not of Record › Chapter 6. Venue, Jurisdiction and Procedure in Civil Matters › Article 3. Procedure in Civil Cases VA 16.1 § 16.1-107
Cited in 11 court decisions on this topic's terms.
Civil Remedies and Procedure › Chapter 3. Actions › Article 13. Unlawful Entry and Detainer VA 8.01 § 8.01-126
Cited in 4 court decisions on this topic's terms.
Civil Remedies and Procedure › Chapter 4. Limitations of Actions › Article 2. Limitations on Recovery of Realty and Enforcement of Certain Liens Relating to Realty VA 8.01 § 8.01-241
Cited in 3 court decisions on this topic's terms.
Housing › Chapter 1.2. Virginia Housing Development Authority Act VA 36 § 36-55.31
Cited in 2 court decisions on this topic's terms.

Browse all of Virginia’s statutes →

Federal law

Truth in Lending Act
Federal law designed to protect consumers in their dealings with lenders and creditors by requiring meaningful disclosure of credit terms. Codified at 15 U.S.C. §§ 1601 et seq.
Real Estate Settlement Procedures Act

Where to go & how to get help

Government agencies and non-profit legal-help organizations for foreclosure in Virginia.

U.S. Department of Housing and Urban Development — Avoiding Foreclosureagency
Funds free or low-cost housing counseling nationwide; call 800-569-4287 to find a HUD-approved housing counselor in Florida who can help evaluate your options at no charge.
U.S. Department of Housing and Urban Development — Housing Counselinghotline
Free foreclosure-prevention counseling from HUD-approved agencies nationwide; call 800-569-4287 to find a counselor near you.
USA.gov — Find legal aid and free legal serviceslegal aid
Official U.S. government starting point for finding free or low-cost legal help and legal-aid programs near you.
Legal Services Corporation — Get legal helplegal aid
Locate the LSC-funded legal-aid organization that serves your county for civil (non-criminal) legal problems.
American Bar Association — Free Legal Help & Lawyer Referralbar referral
Find your state or local bar association lawyer-referral service and free legal-answer programs.
USA.gov — State attorney generalagency
Find your state attorney general to file consumer-protection, civil-rights, or other complaints.

Not legal advice. State-specific statutes, deadlines and procedures are being sourced and will appear here.