Dispute Second Round Sub Auto Loan Debt in California
Second Round Sub is collecting auto loan debt in California where the statute of limitations is 4 years. Average auto loan debt: $23,792. Garnishment limit: 25% or amount exceeding 40x min wage.
4 years
Statute of Limitations
$23,792
Average Auto Loan Debt
25% or amount exceed
Garnishment Limit
Known Second Round Sub Violations
Collecting debts they cannot substantiate
Failing to cease collection after dispute
Inaccurate credit bureau reporting
Dispute Strategies
Challenge deficiency balance after repossession
Verify the sale was commercially reasonable (UCC requirement)
Dispute if proper repossession notice wasn't given