For Michigan residents dealing with Second Round Sub on phone & telecom debt
Learn FCRA-based strategies to remove inaccurate, unverifiable, and outdated collection accounts from your credit report. This guide applies the steps specifically to Michigan's laws and Second Round Sub's documented collection practices for phone & telecom debt accounts. In Michigan, the statute of limitations on phone & telecom debt is 6 years and wage garnishment is limited to 25% of disposable earnings.
6 years
Michigan Statute of Limitations
$500
Average Phone & Telecom Debt
25% of disposable earnings
Garnishment Limit
Second Round Sub has a documented record of FDCPA violations. If any of these occur during your Michigan collection dispute, document them and file immediately.
Steps customized for Michigan law, phone & telecom debt rules, and Second Round Sub's collection patterns.
Get free weekly reports from annualcreditreport.com (Equifax, Experian, TransUnion). Look for: collection accounts you don't recognize, wrong balances, accounts past 7 years (7.5 years from date of first delinquency), re-aged accounts.
Under FDCPA, demand the collector validate the debt. Under FCRA § 623, they must conduct a reasonable investigation when you dispute. If they can't substantiate it, they must stop reporting it.
File disputes simultaneously at equifax.com, experian.com, and transunion.com or by certified mail. Be specific: state the exact error, what the correct information should be, and attach supporting documents.
Bureaus must investigate within 30 days. If the collector can't verify the accuracy of their entry, the bureau must delete it. If the investigation finds errors, the entry must be corrected or deleted.
If inaccurate entries remain, file CFPB complaints against both the collector and the credit bureau. If willful violations exist, you can sue under FCRA for $100-$1,000 per violation plus actual damages.
These strategies apply to phone & telecom debt specifically. Telecom debt from cell phone, internet, and cable bills. The FCC regulates billing practices. Early termination fees and equipment charges are the most common disputes.
Michigan Collection Practices Act (MCPA) governs debt collection in Michigan in addition to the federal FDCPA. To file a complaint: AG Consumer Protection.
Key Michigan Protections:
In Michigan, wage garnishment is capped at 25% of disposable earnings. The following income is protected: Social Security, Unemployment, Workers' comp, Pension. Second Round Sub must first obtain a court judgment through proper legal process before any garnishment order can be issued.
The SOL for phone & telecom debt in Michigan is 6 years. Once expired, Second Round Sub cannot win a court judgment even if the debt is real. You must raise the SOL as an affirmative defense in your Answer if sued — never ignore a lawsuit.
Michigan Collection Practices Act (MCPA) applies in Michigan alongside the federal FDCPA. Complaints can be filed with AG Consumer Protection. MCPA provides additional protections beyond FDCPA
Send a certified validation letter within 30 days of first contact. Demand the original creditor name and full chain of assignment. Second Round Sub must stop all collection activity until they validate. If they fail to validate, file complaints with the CFPB and AG Consumer Protection.
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