Average auto loan debt: $23,792. Auto loans are secured debt — the lender can repossess. However, deficiency balances after repossession can be disputed, especially if the sale wasn't commercially reasonable.
Common Radius Global Solutions Violations
TCPA violations through auto-dialed calls to cell phones
Reporting disputed debts without investigation
Continuing calls after cease-and-desist
Auto Loan Debt Dispute Strategies
1
Challenge deficiency balance after repossession
2
Verify the sale was commercially reasonable (UCC requirement)
3
Dispute if proper repossession notice wasn't given
4
Check for state-specific redemption rights
5
Validate any collection attempts under FDCPA
Tips Against Radius Global Solutions
Radius collects for healthcare and financial services — verify original balances
Send cease-and-desist via certified mail and keep the receipt
TCPA violations carry $500-$1,500 per call — document everything for potential lawsuit