Legal Question in Credit and Debt Law in Virginia

Of course, the predator payday loan company can pursue collection actions against their hapless victims despite being in violation of state regulations until the ones whom they're pursuing raise these alleged violations as a defense in court to the company's claims and collection actions.

Sure they can, and they do all the time. You may have defenses and/or your own claims (typically fraud, Truth in Lending Act, or Consumer Finance Act claims). Good luck.