California / Second Round Sub / Medical Debt Dispute Second Round Sub Medical Debt in California Second Round Sub is collecting medical debt in California where the statute of limitations is 4 years . Average medical debt: $2,459. Garnishment limit: 25% or amount exceeding 40x min wage.
4 years
Statute of Limitations
$2,459
Average Medical Debt
25% or amount exceed
Garnishment Limit
Known Second Round Sub Violations Dispute Strategies California Protections Rosenthal Fair Debt Collection Practices Act. File complaints with: AG Consumer Protection.
• 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