Industries the firm serves
Creditor-side representation in Virginia and West Virginia state courts of record.
Equipment finance
Equipment finance and commercial leasing
The firm regularly represents equipment lessors, equipment finance companies, and finance-lease originators in default and post-default matters governed by UCC Article 2A and Article 9.
Work includes lease acceleration, deficiency actions after disposition, guaranty enforcement, and post-judgment collection against lessees and personal guarantors.
Receivables finance
Merchant cash advance and receivables finance
The firm represents receivables-purchase funders, factors, and MCA providers in Virginia and West Virginia post-default enforcement, including in Virginia matters subject to the 2022 registration and disclosure framework under Va. Code § 6.2-2200 et seq.
Work includes account-receivable interception, UCC-1 enforcement, guaranty pursuit, and judgment collection against merchant obligors and personal guarantors.
Commercial lending
Commercial banking and non-bank lending
The firm represents commercial banks, credit unions, and non-bank commercial lenders in note default, guaranty enforcement, and secured-transaction workout matters.
Work includes acceleration and demand practice, deficiency actions following collateral disposition, and enforcement against corporate borrowers and personal guarantors.
Commercial real estate
Commercial landlords and real-property lessors
The firm represents commercial landlords in post-default rent recovery, guaranty enforcement, and post-tenancy money-judgment work. Commercial-tenancy possession itself follows separate unlawful-detainer procedures under Va. Code tit. 55.1 and W. Va. Code § 55-3A.
Work concentrates on the money-recovery side: acceleration, damages, and post-judgment enforcement against corporate tenants and personal guarantors.
Trade credit
Trade creditors and commercial suppliers
The firm represents commercial suppliers, distributors, and trade creditors on open-account balances, invoice defaults, and account-stated matters in B2B disputes.
Work includes pre-suit demand, complaint drafting, warrant-in-debt and general-district-court practice for smaller balances, and circuit-court practice for larger ones.
Insurance subrogation
Insurance subrogation
The firm represents property, casualty, and commercial-lines insurers in subrogation recovery against responsible third parties and their carriers in Virginia and West Virginia.
Work includes pre-suit recovery, subrogation litigation, and post-judgment collection where an uninsured or underinsured party is the responsible payer.
Judgment portfolios
Judgment holders and portfolio buyers
The firm represents judgment creditors, judgment purchasers, and portfolio holders seeking to enforce Virginia or West Virginia judgments, and to domesticate sister-state judgments in Virginia and West Virginia under UEFJA (Va. Code § 8.01-465.1 et seq.; W. Va. Code § 55-14-1 et seq.).
Work includes abstract docketing, garnishment, execution, judgment-lien enforcement, and debtor-interrogation practice.
Local counsel
Out-of-state law firms and referral counsel
The firm serves as Virginia and West Virginia local counsel for out-of-state creditor-side firms, forwarders, and referring attorneys handling matters that touch Virginia or West Virginia courts.
The /for-attorneys page describes the firm’s engagement posture, fee structure, and jurisdictional coverage in detail.
JC Law represents commercial creditors and creditor-side parties across a range of industries in Virginia and West Virginia state courts of record. The firm’s practice is limited to commercial collections and creditor-side litigation. Related engagements outside the sectors above are considered on the same conflict-clearance and matter-fit basis.
To discuss a potential engagement, contact prospective@jclawpllc.com or (540) 200-8830.