Dispute Second Round Sub Auto Loan Debt in Massachusetts
Second Round Sub is collecting auto loan debt in Massachusetts where the statute of limitations is 6 years. Average auto loan debt: $23,792. Garnishment limit: 15% of gross wages.
6 years
Statute of Limitations
$23,792
Average Auto Loan Debt
15% of gross wages
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
Massachusetts Protections
Chapter 93A Consumer Protection. File complaints with: AG Consumer Protection.
• Chapter 93A — treble damages for willful violations