Colorado / Second Round Sub / Medical Debt Dispute Second Round Sub Medical Debt in Colorado Second Round Sub is collecting medical debt in Colorado where the statute of limitations is 6 years . Average medical debt: $2,459. Garnishment limit: 25% or amount exceeding 40x federal min wage.
6 years
Statute of Limitations
$2,459
Average Medical 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 reportingDispute Strategies Request itemized bill with CPT codes Check for No Surprises Act violations Apply for hospital financial assistance Dispute errors line by line Negotiate — hospitals accept 40-60% routinelyColorado Protections Colorado Fair Debt Collection Practices Act. File complaints with: AG Consumer Protection.
• State FDCPA applies to original creditors • Treble damages for violations