DebtShield
PricingPro PlatformBlogCompare
Log inGet Started

Product

PricingPro PlatformBlog

Suite

DebtShieldDisputeAISubScrub

Features

Credit Card DisputesSubscription RecoveryZombie SubscriptionsBank Fee DisputesMedical Bill Disputes

Resources

How-To GuidesState LawsFAQCompare

Legal

Terms of ServicePrivacy PolicyBlog

From the Pointify Travel Technologies suite:

DisputeAI — Billing DisputesSubScrub — Cancel Subscriptions
DebtShield

© 2026 Pointify Travel Technologies LLC. All rights reserved.

The flagship debt recovery platform.

Colorado/Second Round Sub/Auto Loan Debt

Dispute Second Round Sub Auto Loan Debt in Colorado

Second Round Sub is collecting auto loan debt in Colorado where the statute of limitations is 6 years. Average auto loan debt: $23,792. Garnishment limit: 25% or amount exceeding 40x federal min wage.

6 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
  • Check for state-specific redemption rights
  • Validate any collection attempts under FDCPA

Colorado Protections

Colorado Fair Debt Collection Practices Act. File complaints with: AG Consumer Protection.

  • • State FDCPA applies to original creditors
  • • Treble damages for violations
Colorado LawsSecond Round SubAuto Loan Debt
Dispute Now — $9.99/mo