Second Round Sub Rent & Lease Debt in Nashville, TN
Second Round Sub is collecting rent & lease debt in Nashville. Average: $3,200. Tennessee SOL: 6 years. Garnishment: 25% of disposable earnings.
Known Second Round Sub Violations
- • Collecting debts they cannot substantiate
- • Failing to cease collection after dispute
- • Inaccurate credit bureau reporting
Dispute Strategies
- • Document property condition at move-in/move-out
- • Challenge security deposit deductions with photos
- • Dispute excessive lease break fees
- • Verify landlord followed state notice requirements
- • Challenge any charges beyond normal wear and tear
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
- • Take timestamped photos at move-in AND move-out
- • Most states require security deposit return within 14-30 days
- • Landlords can't charge for normal wear and tear