Dispute Second Round Sub Credit Card Debt in Oregon

Second Round Sub is collecting credit card debt in Oregon where the statute of limitations is 6 years. Average credit card debt: $5,221. Garnishment limit: 25% of disposable earnings or amount exceeding $254/week.

6 years

Statute of Limitations

$5,221

Average Credit Card Debt

25% of disposable ea

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 debt validation under FDCPA § 1692g
Dispute billing errors under FCBA within 60 days
Check if debt exceeds statute of limitations
Negotiate settlement at 40-60% of balance
File CFPB complaint if collector violates FDCPA

Oregon Protections

Oregon Unlawful Debt Collection Practices Act. File complaints with: AG Consumer Protection.

• State act applies to original creditors
• $40,000 homestead exemption (single)

Oregon Laws Second Round Sub Credit Card Debt

Dispute Now — $9.99/mo