Dispute Second Round Sub Phone & Telecom Debt in West Virginia

Second Round Sub is collecting phone & telecom debt in West Virginia where the statute of limitations is 10 years. Average phone & telecom debt: $500. Garnishment limit: 20% of disposable earnings.

10 years

Statute of Limitations

$500

Average Phone & Telecom Debt

20% 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

File FCC complaint for billing disputes
Challenge early termination fees
Dispute equipment charges with proof of return
Validate collection amounts under FDCPA
File state AG complaint for deceptive practices

West Virginia Protections

WV Consumer Credit and Protection Act. File complaints with: AG Consumer Protection.

• Low 20% wage garnishment limit
• $35,000 homestead exemption

West Virginia Laws Second Round Sub Phone & Telecom Debt

Dispute Now — $9.99/mo