Legal Question in Credit and Debt Law in Virginia

In Virginia, there is a $5000 exemption for household goods, plus $1000 for wearing apparel. This means that for most people, household effects are completely exempt from execution. In addition, you have a $5000 once per lifetime exemption (more if there are dependents, if you are over 65, or if you are a disabled veteran) that can be used to protect assets - but use it carefully if at all so as not to use it up. You may want to consider filing bankruptcy if you don't have the ability to pay this debt, as the creditor can garnish your bank accounts and/or wages.