My question involves collection proceedings in the State of: Virginia. I attempted to make a payment on the account. The creditor refused to accept the payment, sent it back to me along with a letter, because it was not the minimum/total amount due. Where do I stand at this point? I have heard from numerous people that if a creditor does that you no longer owe anything on the account. If you can provide a link to any legal statute it would be appreciated. Thanks!

