Sued by Second Round Sub LLC for a Debt

January 31, 2024

Sued by Second Round Sub LLC for a Debt

Are you being sued by Second Round Sub LLC? Not sure what to do next? ZumaZip.com Find out how to respond to a debt collection lawsuit from Second Round Sub LLC and win in court.

Being sued for debt is something that millions of Americans experience, yet many do not know how to handle the situation. The initial idea of many people is to avoid the situation altogether and ignore it. This is the wrong thing to do. It is essential that you respond to the debt collector as soon as possible. Typically you have a window of anywhere from 20 to 30 days. Refusing to appear in court will make the problem much worse, and will allow the debt collector to win automatically. This leads to a judgment against you and various consequences.

Consequences of a default judgment

If a judgment is issued against you, it may be on your record for up to 20 years. This leads to a negative impact on your credit report and can make it hard to buy a home, car, open credit cards, or obtain a loan. Additionally, it opens up avenues for collection such as:

Wage garnishment
Lien being placed on your property
Taking funds directly from your bank account
Taking your property

It is essential to avoid getting to this point. Instead, find a solution. Settlement is an option, but fighting the lawsuit is a better option. In some cases, you may find a loophole that allows you to get out of paying or at least reduce how much you owe.

Don’t let a default judgment get filed against you. Respond with ZumaZip.com.

Who is Second Round Sub LLC?

If you are being sued by Second Round Sub, you should be aware that this is a debt collector. Second Round Sub was founded in 2008 and is located in Austin, Texas. They purchase debts from original creditors such as your credit card company. In the case of Second Round Sub LLC, the debts could even be purchased from a different debt collector, meaning that the debt has been sold multiple times. This is called a “junk debt buyer” and in many cases, they will pay a very small amount to acquire rights to the debt. This can be anywhere from 2 to 5 cents per dollar of the debt. This is good for you because it means you can negotiate the price down.

What to do when sued by Second Round Sub LLC for a debt

Gather information on the debt

If the creditor suing you is Second Round Sub, then they are not your original creditor. The debt will most likely have been sold many times, or it may be something that you completely forgot about (known as a zombie debt). Be sure to go through all of your personal information and compile it such as:

Validation letter: This can be asked for in order to have proof that the debt is owned by the collector, and owed by you.
Explanation letter: Must be given to consumers of debt within 5 days. If you do not receive it you can request one and report it to the Clerk of Court.
Who the creditor is: This should be labeled on your validation letter and should clearly be stated on your summons.
If the amount is accurate: You should have proof of some form of the debt.
If you owe the debt: If you do not have proof, or have not been provided proof, you can ask for this to be given to you by the debt collector.
If the debt is past the statute of limitations: The statute of limitations is a set of laws that governs how long you may be sued for debt. It is different in every state but can be as little as two years, and as long as 20. Generally, it is between four to six years. This means that the debt is considered to be “time-barred”. This means you cannot be sued for the debt although debt collectors may attempt to.

Make the right affirmative defense with ZumaZip.com and win your case.

Respond to the lawsuit promptly

If you do not respond to the lawsuit then it may complicate your situation or prevent you from fighting it. In this case, you should respond and ask for proof of the debt. In many cases, they will not be able to verify the debt and it may be dismissed by the judge. This should be your ultimate goal. It is important to note that you will need to pay a filing fee for your response, and you should ask the court clerk about possible fee waivers.

Show up to the hearing prepared

You must show up to your hearing regardless of if you owe the debt or not. In the event you do owe the debt, the judge will decide if you need to pay, and you will have the ability to submit a defense. In this case, you can either set up a payment plan to make regular payments or settle the debt for less than the total payment.

There are times that even though you purchased an item or service, that you do not feel you should pay. In this case, you should invoke a legal defense. In this case, what you bought may not have been delivered or the contract was unenforceable.

Use ZumaZip.com to respond to debt collectors and beat them in court.

In the event you do not owe the debt, you can ask the creditor to prove your responsibility. This can also be used even if you owe the debt, because they may not have the right to sue you at all. They must have the documentation to prove that you are responsible. If not, you can have the case dismissed.

When fighting a junk debt buyer such as Second Round Sub, you should know that they prefer to avoid a legal battle. In many situations, Second Round Sub has many cases, and losing a few of them means nothing. You should also look to see if the statute of limitations has run out because in that case, they cannot legally sue you. It is difficult to know what your situation is, but it is always good to look into it to see if things are not being done properly.

What is ZumaZip?

ZumaZip is a convenient solution designed to streamline your response to a debt collection lawsuit. Here’s a breakdown of what you can expect when you use ZumaZip:

Firstly, you’ll access our user-friendly web application, which guides you through the process step by step. You’ll be prompted to answer a series of questions related to your specific situation. Once you’ve completed the questionnaire, you have the option to either print out the finalized forms and mail them to the appropriate courts yourself, or you can opt to utilize ZumaZip’s services to file them on your behalf. Additionally, if you choose this option, an attorney will review your document for added peace of mind.

If you’re seeking guidance on how to effectively respond to a debt collection lawsuit, ZumaZip can provide the assistance you need. Feel free to explore our FAQs for more information on what ZumaZip has to offer.

What if I haven’t been sued yet?

If you’ve only received a collections notice, but not a lawsuit, the best way to respond is with a Debt Validation Letter. When a debt collector contacts you in any way, whether it’s by phone or mail, you can respond by formally requesting a debt validation with a Debt Validation Letter . This letter notifies the collector that you dispute the debt and forces them to provide proof you owe the debt. They can’t call you or continue collecting until they provide validation of the debt. This flowchart shows how you can use a Debt Validation Letter to win.

Get started with a Debt Validation Letter here.

How to Answer a Summons for debt collection in all 50 states

Here’s a list of guides on how to respond to a debt collection lawsuit in each state:

Guides on how to beat every debt collector

Hey there! Facing off against a debt collector can feel like a daunting challenge, but fear not! We’re here to help you navigate through it all with our handy guides designed to assist you in beating every debt collector you encounter. Whether you’re facing a new lawsuit or dealing with a persistent collector, we’ve got your back. Stay positive, stay informed, and let’s tackle this together!

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Stop calls from Debt Collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.