By Victoria Richardson In March 2024, the Social Security Administration (SSA) changed its overpayment rules so no more than ten percent of a recipient’s monthly check could be withheld to repay an overpayment. Starting March 27, 2025, the SSA has reversed this policy. People who receive SSDI or OASDI may now see 100 percent of […]

April is Fair Housing Month Join VPLC housing advocates, allies, and partners for a series of virtual lunchtime trainings about pressing topics in housing law that impact low-income Virginians. Pending approval, each session will be 1 CLE credit. Find more information about these Fair Housing Month training sessions below and click the links to register […]

90 years ago this August, the Social Security Act (SSA) was signed into law. Like many women before and after her, the architect of SSA has largely been forgotten.   This Women’s History Month, we recognize and honor Frances Perkins for the social safety net she helped create–a legacy lasting generations. Social Security is a program […]

Virginia Poverty Law Center (VPLC) has joined a lawsuit against Acting Director Russell Vought to challenge the unlawful dismantling of the Consumer Financial Protection Bureau (CFPB). The lawsuit, filed February 13, 2025, also includes the National Treasury Employees Union, National Consumer Law Center, NAACP, and the CFPB Employee Association. The next day (2.14.2025), at the […]

By Valerie L’Herrou. Published in The Virginian-Pilot: February 7, 2025 (subscription required) Imagine you’re a low-income parent, faced with the impossible choice of paying for food or the gas to get to work. Or one day, your child care provider doesn’t show up, leaving you to decide between leaving your children with an older sibling […]

By Carmen Bingham, VPLC Affordable Clean Energy (ACE) Project Coordinator HB2621, as amended by the House of Delegates, will be before the Senate Commerce & Labor Committee Monday, February 10, 2025 in the afternoon. It is not the savior bill for APCo customers as it is being touted to be. There are no “immediate” savings […]

Thursday, February 6th, 2025 For Carlos Wimberly, the whole mess started at a convenience store when he stopped for a bottle of water and snacks. He thought he had $35 in his banking account, but he had miscalculated and had “insufficient funds” to make his purchase. Carlos says he understood why his bank charged him […]

February 5, 2025 Richmond, VA – Medicaid and CHIP play a critical role in providing health coverage to residents of small towns and rural communities in Virginia, particularly children, far exceeding its reach in metropolitan areas, according to an in-depth analysis by the Georgetown University Center for Children and Families (CCF). In response to these […]

Tanya Webb is one of thousands of Virginians whose lives have been upended by tax or debt collectors who seized all of their wages or emptied their bank accounts. Tanya Webb was stunned when her entire paycheck vanished without warning. Two weeks later, another half was gone without any notice again. The wage garnishment was […]

Dr. Martin Luther King Jr. was a transformative leader whose legacy continues to inspire individuals and organizations committed to justice, equality, and the fight against systemic oppression. With tireless dedication to nonviolence and a firm commitment to creating a more just society, his influence resonates with individuals and communities around the globe. As we reflect […]

This session of Virginia’s General Assembly brings opportunities for lawmakers to pave a path to resolution for the 139,703 Virginians being sued over consumer debt in 2023 alone. In fact, about 20% of Virginians have overdue credit lines or unpaid bills that creditors are trying to collect.  VPLC urges lawmakers to consider effective and equitable […]

As working families continue to struggle through a perfect storm of high inflation, high credit card interest rates, an ever-growing cascade of junk fees, and record-breaking consumer debt, a new report finds that Virginia is leaving these families high and dry. The National Consumer Law Center (NCLC) report, No Fresh Start 2024: Will States Protect […]

VPLC Advocacy Helps Secure $85 Million Savings for Utility Customers Collectively, Appalachian Power customers avoided an $85 million rate hike in their monthly utility bills after the State Corporation Commission (SCC) denied the company’s request for a substantial rate hike. As part of the decision, regulators directed Appalachian Power to collaborate with Virginia Poverty Law Center […]

by Jay Speer, VPLC Executive Director I have been thinking a lot about Ward Scull who died recently.  Ward was a long-time ally of VPLC in our multi-year legislative fight with Virginia’s payday lenders.  VPLC advocated for just and fair lending, but the payday lenders wanted to continue making huge sums of money exploiting Virginians […]

— By Louis Green, VPLC DEI Director It is no secret that the upcoming political election has unearthed age-old debates across the sociopolitical landscape. In addition to the usual list of hotly-debated issues within the political space, contemporary elections have been split along racial lines due to arguments on how federal and state institutions should […]

September 9, 2024 Richmond, VA – The Supplemental Nutrition Access Program (SNAP) is a crucial lifeline for food insecure Virginians. SNAP supplements grocery budgets for families in need of food help and injects money into local economies: every dollar spent with SNAP benefits generates $1.54 in economic activity. A new report by the National Council […]

Direct File is the IRS’ first attempt to provide a free filing program comparable to existing commercial software. While the pilot was limited to people with simple tax returns in a handful of states, the Department of the Treasury estimated that one-third of taxpayers in those states — almost 19 million people — were eligible […]

The Consumer Financial Protection Bureau (CFPB) today proposed an interpretive rule explaining that many paycheck advance products, sometimes marketed as “earned wage” products, are consumer loans subject to the Truth in Lending Act. The guidance will ensure that lenders understand their legal obligations to disclose the costs and fees of these credit products to workers. […]

Naomi Y. Cordova joins the VPLC team as the new Legal Assistant for the Legal Assistance to Victim-Immigrants of Domestic Abuse (LA VIDA) program. Naomi brings a wealth of experience in immigration law and a diverse skill set to VPLC. Naomi has a robust legal background, with many years of client communication, legal documentation, translation, […]

Shark Week 2024: Be Careful Where You Borrow By Jay Speer, Virginia Poverty Law Center Executive Director Welcome to Shark Week 2024, at least according to the annual designation fronm Discovery Channel   In years past, the Virginia Poverty Law Center has used this week to call out all the loan sharks attacking Virginia borrowers.  There […]

Utility providers cannot shut off your service for unpaid bills during certain unsafe periods.