Specifically for Second Round Sub collecting credit card debt in Birmingham, AL
Send a cease-and-desist letter under FDCPA § 1692c to legally stop all collector communications. This guide is tailored to residents of Birmingham dealing with Second Round Sub, one of the most-complained-about debt collectors for credit card debt accounts. In Alabama, the statute of limitations is 6 years and wage garnishment is capped at 25% of disposable earnings.
6 years
Alabama SOL on Credit Card Debt
$5,221
Average Credit Card Debt
25% of disposable earnings
Garnishment Limit
Second Round Sub has a documented pattern of FDCPA violations. If any of these happen to you, document them immediately and file a CFPB complaint.
These steps apply directly to your situation as a Birmingham resident dealing with Second Round Sub.
Under FDCPA, collectors cannot call before 8am or after 9pm, call your workplace if told not to, contact third parties about your debt, use abusive language, or threaten actions they don't intend to take.
Before sending a cease-and-desist, log each call with date, time, phone number, and what was said. This record is evidence if you need to sue for FDCPA violations later.
Your letter needs only one thing: a clear statement invoking your right under 15 USC § 1692c to cease all communication. Send it via certified mail with return receipt to the exact name and address on the collector's correspondence.
Once they receive your letter, collectors may only contact you to confirm they will stop, or to notify you of specific action like a lawsuit. If they call again, each call is an FDCPA violation worth up to $1,000.
Log any contacts after your cease-and-desist was received. If violations occur, you can sue in federal court within one year for $1,000 per violation plus actual damages and attorney fees.
These strategies are specific to credit card debt — the type of debt Second Round Sub is collecting from Birmingham residents.
No specific state debt collection act — FDCPA applies governs debt collection in Alabama. File complaints with: AG Consumer Protection.
In Alabama, wage garnishment is limited to 25% of disposable earnings. Income sources protected from garnishment include: Social Security, Workers' comp, Unemployment, Veterans' benefits. Second Round Sub must first obtain a court judgment before any garnishment can begin.
The statute of limitations for credit card debt in Alabama is 6 years. After this period expires, Second Round Sub cannot win a lawsuit on the debt if you raise the SOL as a defense in your Answer. Never ignore a lawsuit even on time-barred debt.
Known violations by Second Round Sub include: Collecting debts they cannot substantiate; Failing to cease collection after dispute; Inaccurate credit bureau reporting. Document any violations immediately and file a complaint at consumerfinance.gov/complaint.
To dispute credit card debt with Second Round Sub: send a written validation request via certified mail within 30 days of first contact, demand the original creditor name, full chain of assignment, and original signed agreement. Start with: request debt validation under fdcpa § 1692g.
Skip the paperwork. DebtShield generates legally precise dispute letters, cease-and-desist demands, and validation requests tailored to Birmingham laws and Second Round Sub's known tactics. Starting at $9.99/month.