Second Round Sub is collecting medical debt in New York where the statute of limitations is 6 years. Average medical debt: $2,459. Garnishment limit: 10% of gross income or 25% of disposable.
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 York Protections
NY General Business Law § 601 + NYC Consumer Protection Law. File complaints with: AG Consumer Protection.