Dispute Second Round Sub Rent & Lease Debt in Alabama

Second Round Sub is collecting rent & lease debt in Alabama where the statute of limitations is 6 years. Average rent & lease debt: $3,200. Garnishment limit: 25% of disposable earnings.

6 years

Statute of Limitations

$3,200

Average Rent & Lease Debt

25% of disposable ea

Garnishment Limit

Known Second Round Sub Violations

Collecting debts they cannot substantiate
Failing to cease collection after dispute
Inaccurate credit bureau reporting

Dispute Strategies

Document property condition at move-in/move-out
Challenge security deposit deductions with photos
Dispute excessive lease break fees
Verify landlord followed state notice requirements
Challenge any charges beyond normal wear and tear

Alabama Protections

No specific state debt collection act — FDCPA applies. File complaints with: AG Consumer Protection.

• FDCPA applies for third-party collectors
• Homestead exemption up to $16,450

Alabama Laws Second Round Sub Rent & Lease Debt

Dispute Now — $9.99/mo