New York City, NY residents: know your rights against Second Round Sub. New York residents: check your state's statute of limitations and wage garnishment protections before paying any debt collector.
Common Second Round Sub Violations
Collecting debts they cannot substantiate
Failing to cease collection after dispute
Inaccurate credit bureau reporting
Dispute Tips for New York City Residents
Second Round buys deeply discounted debt — negotiate aggressively
Demand full validation including original creditor statements