Your Colorado rights against Second Round Sub: SOL is 6 years for credit card debt. Garnishment capped at 25% or amount exceeding 40x federal min wage.
6 years
Colorado credit card SOL
Colorado 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
Colorado Dispute Tips vs Second Round Sub
Second Round buys deeply discounted debt — negotiate aggressively
Demand full validation including original creditor statements