Wronged by a credit bureau or a debt collector?
Your rights, enforced — in Virginia state and federal courts.
For more than two decades, Krumbein Consumer Legal Services has fought for Virginians against inaccurate credit reports, abusive collectors, and unfair collection lawsuits.
No fee unless we recover. Practicing since 1999 · Rated 4.6★ across 10 Google reviews.
Federal law is on your side. We make it work for you.
The Fair Credit Reporting Act and Fair Debt Collection Practices Act give consumers real power — including the right to make the other side pay your attorney’s fees. Here’s where we focus.
Credit Report Errors
Inaccurate, mixed, or fraudulent information on your credit report can cost you loans, housing, and jobs. We force the bureaus and furnishers to fix it — and hold them accountable when they don't.
Learn moreDebt Collector Harassment
Collectors who call relentlessly, threaten, or lie are breaking federal law. The FDCPA may entitle you to damages — and our fees can come from the collector, not you.
Learn moreSummons & Complaint Defense
Served with a lawsuit by a creditor or debt buyer? Don't ignore it. We defend consumers against collection suits and make the other side prove their case.
Learn moreWarrant in Debt Defense
A Warrant in Debt is the most common collection lawsuit in Virginia. We defend you in General District Court and protect you from default judgments and garnishment.
Learn moreWage Garnishment Defense
A garnishment can take part of every paycheck before it reaches you. We move to stop or reduce it, protect your exemptions, and attack the judgment behind it when there are grounds.
Learn moreIdentity Theft Recovery
Someone opened accounts in your name, and now you’re the one being chased. We help victims block fraudulent accounts, clean up their credit, and recover damages from those who got it wrong.
Learn moreMixed & Merged Credit Files
When a bureau blends your file with a stranger’s, their debts and defaults become your problem. We force the bureaus to untangle the file and answer for the damage it caused.
Learn moreDebt Relief & Bankruptcy Alternatives
Bankruptcy isn’t the only path, and it isn’t always the best one. We look at the whole picture — defenses, settlements, and bankruptcy — and tell you honestly which one actually helps.
Learn moreWhat working with us looks like
Tell us what happened
Call or send a confidential message describing your credit problem, the collector, or the lawsuit you were served with. The initial case review is free.
We assess your rights
We review your documents and credit reports and explain, in plain English, whether the FCRA, the FDCPA, or a defense to the lawsuit applies to your situation.
We take on the fight
If we accept your case, we deal with the bureaus, collectors, and courts — and in cases we take on that basis, you owe no attorney’s fee unless we recover.
Managing Attorney
A practice devoted to consumers — not the other side
Jason M. Krumbein has limited his practice to representing individual consumers in state and federal courts since 1999. The firm is one of the few in Virginia dedicated solely to consumer-protection law.
- Admitted to the Supreme Court of Virginia and all Virginia state courts (1999)
- Admitted to the U.S. District & Bankruptcy Courts for the Eastern & Western Districts of Virginia
- Admitted to the U.S. Court of Appeals for the Fourth Circuit
- Member, National Association of Consumer Advocates & Public Justice
What clients say
“I was dealing with a garnishment case that stemmed from identity theft. Jason Krumbein responded to me and had the matter resolved within a week!! I recommend this firm to anyone dealing with financial matters in the court system. He is kind, consistent, honest and efficient in dealing with these issues.”
Google review · 2025
“I enjoyed working with Mr. Krumbein. He did exactly what he said he would do in the timely manner that he said he would. I definitely appreciate his services and recommend him!! Truly a blessing!!”
Google review · 2023
“I contacted the attorney today and I must say I was very impressed. One writer referred to him as a pit bull. I felt that in the telephone conversation I had with him today. I am confident that this gentleman is the right attorney for the job. Highly recommend.”
Google review · 2026
“Conscientious, attentive and effective. Well recommended!”
Google review · Client review
Good to know before you call
Find out where you stand — at no cost
Tell us what happened. We’ll tell you whether you have rights worth enforcing, and what to do next.
804.592.0792