NYSecond Round Sub

Dispute Second Round Sub in New York

Your New York rights against Second Round Sub: SOL is 6 years for credit card debt. Garnishment capped at 10% of gross income or 25% of disposable.

6 years

New York credit card SOL

NY General Business Law § 601 + NYC Consumer Protection Law

State collection law

Common Second Round Sub Violations

Collecting debts they cannot substantiate

Failing to cease collection after dispute

Inaccurate credit bureau reporting

New York Dispute Tips vs Second Round Sub

Second Round buys deeply discounted debt — negotiate aggressively

Demand full validation including original creditor statements

They often settle for 10-20% of face value

New York Protections

90% of wages exempt from garnishment

Strong city + state consumer protection

Debt collectors must be licensed

New York Debt Laws

All protections in New York

Second Round Sub Overview

All violations & tips

Dispute Second Round Sub in New York — $9.99/mo