Average credit card debt: $5,221. Credit card debt is the most common consumer debt in America. Under the FCBA, you have 60 days to dispute billing errors. Many collection accounts lack proper documentation.
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
Credit Card Debt Dispute Strategies
1
Request debt validation under FDCPA § 1692g
2
Dispute billing errors under FCBA within 60 days
3
Check if debt exceeds statute of limitations
4
Negotiate settlement at 40-60% of balance
5
File CFPB complaint if collector violates 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