Dispute Second Round Sub Rent & Lease Debt in New York

Second Round Sub is collecting rent & lease debt in New York where the statute of limitations is 6 years. Average rent & lease debt: $3,200. Garnishment limit: 10% of gross income or 25% of disposable.

6 years

Statute of Limitations

$3,200

Average Rent & Lease 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

Document property condition at move-in/move-out
Challenge security deposit deductions with photos
Dispute excessive lease break fees
Verify landlord followed state notice requirements
Challenge any charges beyond normal wear and tear

New York Protections

NY General Business Law § 601 + NYC Consumer Protection Law. File complaints with: AG Consumer Protection.

• 90% of wages exempt from garnishment
• Strong city + state consumer protection
• Debt collectors must be licensed

New York Laws Second Round Sub Rent & Lease Debt

Dispute Now — $9.99/mo