Average utility debt: $800. Utility debt from electric, gas, water, and internet bills. State public utility commissions regulate billing practices. Many states prohibit disconnection during extreme weather.
Common Second Round Sub Violations
Collecting debts they cannot substantiate
Failing to cease collection after dispute
Inaccurate credit bureau reporting
Utility Debt Dispute Strategies
1
File complaint with state Public Utility Commission
2
Request billing audit and meter verification
3
Apply for utility assistance programs (LIHEAP)
4
Dispute estimated vs actual billing
5
Challenge reconnection fees if disconnect was improper
Tips Against Second Round Sub
Second Round buys deeply discounted debt — negotiate aggressively
Demand full validation including original creditor statements