ILSecond Round Sub

Dispute Second Round Sub in Illinois

Your Illinois rights against Second Round Sub: SOL is 5 years for credit card debt. Garnishment capped at 15% of gross wages.

5 years

Illinois credit card SOL

Illinois Collection Agency 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

Only 15% wage garnishment (lowest in nation)

Collectors must be licensed

10-year SOL on written contracts

Illinois Debt Laws

All protections in Illinois

Second Round Sub Overview

All violations & tips