Second Round Sub is collecting medical debt in Virginia where the statute of limitations is 5 years. Average medical debt: $2,459. Garnishment limit: 25% of disposable earnings.
5 years
Statute of Limitations
$2,459
Average Medical 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 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
Virginia Protections
Virginia Consumer Protection Act. File complaints with: AG Consumer Protection.
• VCPA allows treble damages for willful violations