Dispute Second Round Sub Medical Debt in New Jersey
Second Round Sub is collecting medical debt in New Jersey where the statute of limitations is 6 years. Average medical debt: $2,459. Garnishment limit: 10% of gross income (if earning <250% FPL).
6 years
Statute of Limitations
$2,459
Average Medical Debt
10% of gross income
Garnishment Limit
Known Second Round Sub Violations
Collecting debts they cannot substantiate
Failing to cease collection after dispute
Inaccurate credit bureau reporting
Dispute 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% routinely
New Jersey Protections
NJ Consumer Fraud Act. File complaints with: AG Consumer Protection.