Second Round Sub Medical Debt in San Diego, CA
Second Round Sub is collecting medical debt in San Diego. Average: $2,459. California SOL: 4 years. Garnishment: 25% or amount exceeding 40x min wage.
Known Second Round Sub Violations
- • Collecting debts they cannot substantiate
- • Failing to cease collection after dispute
- • Inaccurate credit bureau reporting
Dispute Strategies
- • Request itemized bill with CPT codes
- • Check for No Surprises Act violations
- • Apply for hospital financial assistance
- • Dispute errors line by line
- • Negotiate — hospitals accept 40-60% routinely
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
- • ALWAYS get an itemized bill before paying
- • Nonprofit hospitals must offer financial assistance
- • Medical debt has 365-day credit reporting grace period