CASecond Round Sub

Dispute Second Round Sub in California

Your California rights against Second Round Sub: SOL is 4 years for credit card debt. Garnishment capped at 25% or amount exceeding 40x min wage.

4 years

California credit card SOL

Rosenthal Fair Debt Collection Practices Act

State collection law

Common Second Round Sub Violations

Collecting debts they cannot substantiate

Failing to cease collection after dispute

Inaccurate credit bureau reporting

California Dispute Tips vs Second Round Sub

Second Round buys deeply discounted debt — negotiate aggressively

Demand full validation including original creditor statements

They often settle for 10-20% of face value

California Protections

Rosenthal Act applies to ORIGINAL creditors too (not just collectors)

Strong wage exemptions — up to 75%

Community property state

2-year SOL for oral contracts

California Debt Laws

All protections in California

Second Round Sub Overview

All violations & tips

Dispute Second Round Sub in California — $9.99/mo