TXSecond Round Sub

Dispute Second Round Sub in Texas

Your Texas rights against Second Round Sub: SOL is 4 years for credit card debt. Garnishment capped at No wage garnishment for most debts.

4 years

Texas credit card SOL

Texas Debt Collection Act + DTPA

State collection law

Common Second Round Sub Violations

Collecting debts they cannot substantiate

Failing to cease collection after dispute

Inaccurate credit bureau reporting

Second Round buys deeply discounted debt — negotiate aggressively

Demand full validation including original creditor statements

They often settle for 10-20% of face value

NO wage garnishment for most consumer debts

Unlimited homestead exemption

DTPA treble damages for knowing violations

Very debtor-friendly state

Texas Debt Laws

All protections in Texas

Second Round Sub Overview

All violations & tips