FLSecond Round Sub

Dispute Second Round Sub in Florida

Your Florida rights against Second Round Sub: SOL is 5 years for credit card debt. Garnishment capped at Head of household exempt.

5 years

Florida credit card SOL

Florida Consumer 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

Second Round buys deeply discounted debt — negotiate aggressively

Demand full validation including original creditor statements

They often settle for 10-20% of face value

Head of household wages FULLY exempt from garnishment

Unlimited homestead exemption

State debt collection act applies to original creditors

Florida Debt Laws

All protections in Florida

Second Round Sub Overview

All violations & tips