Second Round Sub Phone & Telecom Debt in Buffalo, NY
Second Round Sub is collecting phone & telecom debt in Buffalo. Average: $500. New York SOL: 6 years. Garnishment: 10% of gross income or 25% of disposable.
Known Second Round Sub Violations
- • Collecting debts they cannot substantiate
- • Failing to cease collection after dispute
- • Inaccurate credit bureau reporting
Dispute Strategies
- • File FCC complaint for billing disputes
- • Challenge early termination fees
- • Dispute equipment charges with proof of return
- • Validate collection amounts under FDCPA
- • File state AG complaint for deceptive practices
Tips
- • Second Round buys deeply discounted debt — negotiate aggressively
- • Demand full validation including original creditor statements
- • They often settle for 10-20% of face value
- • Keep return receipts for ALL equipment
- • FCC complaints get fast responses from carriers
- • ETFs may be unenforceable if terms changed mid-contract