Specifically for Second Round Sub collecting medical debt in Washington, DC
Send a cease-and-desist letter under FDCPA § 1692c to legally stop all collector communications. This guide is tailored to residents of Washington dealing with Second Round Sub, one of the most-complained-about debt collectors for medical debt accounts. In District of Columbia, the statute of limitations is 3 years and wage garnishment is capped at 25% of disposable earnings.
3 years
District of Columbia SOL on Medical Debt
$2,459
Average Medical 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 Washington 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 medical debt — the type of debt Second Round Sub is collecting from Washington residents.
DC Debt Collection Act governs debt collection in District of Columbia. File complaints with: Office of the Attorney General.
In District of Columbia, wage garnishment is limited to 25% of disposable earnings. Income sources protected from garnishment include: Social Security, Unemployment, Workers' comp, Disability. Second Round Sub must first obtain a court judgment before any garnishment can begin.
The statute of limitations for medical debt in District of Columbia is 3 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 medical 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 itemized bill with cpt codes.
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