- Who is Second Round LP?
- Second Round LP Complaints?
- Second Round LP Lawsuits
- Second Round LP Contact
- Second Round LP Calling?
- How Do I Stop Second Round LP Debt Collection Harassment?
- How Can I Delete Second Round LP from My Credit Report?
- How Can I Deal with Second Round LP?
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Second Round, LP is a third-party collection agency based in Austin, TX. Second Round has received consumer complaints, some of them alleging violations of the Fair Debt Collections Practices Act (FDCPA), such as illegal communication tactics and attempting to collect debts not owed.If you have been contacted by Second Round,understand your rights before responding.
According to the Better Business Bureau (BBB), Second Round, LP was founded and incorporated in 2008 and is currently listed as a collection agency headquartered in Illinois. The BBB opened its file on Second Round in 2009. Buzzfile estimates Second Round’s annual revenue at $2.3 million and the size of its staff at 25 people.
According to its website, Second Round “is a receivables management firm that serves businesses of all types nationwide.” Second Round’s collection staff services delinquent accounts for credit card lenders, auto lenders, utility companies, and “FinTech” companies. Their mission is to treat consumers with respect and dignity while building long-lasting partnerships with clients.
Second Round’s Partners page lists several professional organizations with whom they have an association, including the BBB, Receivables Management Association, the International Association of Credit and Collection Professionals (ACA International), Sentinel DS, Rev Spring, and Global Collection Systems. They cite certification by the RMA Association.
Their Consumer Information page is fairly comprehensive. In addition to information about data security, they provide information about the Federal Trade Commission’s (FTC) mandated free credit report program; how to place fraud alerts in the event of identity theft; contact and internet information for the FTC, the Consumer Financial Protection Bureau (CFPB); and several other consumer financial resources. They also include a disclaimer notifying site visitors that “content and materials available on this website are for informational purposes only and not for the purpose of providing legal advice.”
In the past three years, the BBB has closed 50 complaints against Second Round, with 15 closed in the past 12 months.Almost all of the complaints allege problems with billing and collection. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has received 34 complaints against Second Round. Justia lists at least 10 cases of civil litigation naming Second Round as a defendant.
Absolutely. Here are some Sample Cases against Second Round LP.
In November 2013, in United States District Court, Eastern District of Michigan, Southern Division, a plaintiff filed a complaint against Second Round LP for alleged violations of the FDCPA, the Fair Credit Reporting Act (FCRA), and the Telephone Consumer Protection Act (TCPA). The complaint was based on the conduct of Second Round representatives that included failing to provide verification of debts; failure to respond to or investigate when the plaintiff disputed the debt; continued attempts to collect the debt after the debt had been disputed; placing an excessive number of phone calls to the plaintiff; and calling the plaintiff’s cell phone using an automated dialer without the plaintiff’s permission. In order for a legal complaint alleging violations of these laws to prevail in court, certain elements must be present. Unfortunately, the plaintiff’s complaint in this case read, in its entirety:
“To whom it may concern,
“For my account, the defendant did not respond to my request for a verification
investigation of my debt made early this year per the FCRA and FDCPA. They
continued to collect on my debt. The Defendant is responsible for $500+ statutory
damages per the FCRA and FDCPA. In addition they [sic] Defendant continued to
call me multiple times on my work and also cell phone which is direct violation of
the TCPA for robo calling. Defendant is responsible for statutory damages for each
Because this complaint did not offer evidence that the plaintiff notified Second Round in writing of his dispute; failed to identify the specific sections of the FCRA applicable to the alleged misconduct; and failed to offer evidence that “robocalls” were used, the judge at a January 2014 hearing on the matter granted Second Round’s request that the case be dismissed.
Second Round, LP
P.O. Box 41955
Austin, TX 78704
Understanding your Debt Collection Rights
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If a Debt collector does not send you a validation letter or if the letter does not say your right to dispute the debt, to speak with a representative directly and immediately call 844-685-9200 for a free, no obligation case evaluation. Debt collectors should be held liable.
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