Dispute Second Round Sub Utility Debt in West Virginia

Second Round Sub is collecting utility debt in West Virginia where the statute of limitations is 10 years. Average utility debt: $800. Garnishment limit: 20% of disposable earnings.

10 years

Statute of Limitations

$800

Average Utility 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 complaint with state Public Utility Commission
Request billing audit and meter verification
Apply for utility assistance programs (LIHEAP)
Dispute estimated vs actual billing
Challenge reconnection fees if disconnect was improper

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 Utility Debt

Dispute Now — $9.99/mo