Start My Answer

Sued by Second Round Sub LLC for a Debt

Chloe Meltzer | January 10, 2024

Summary: Are you being sued by Second Round Sub LLC? Not sure what to do next? 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 SoloSuit.

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 SoloSuit 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 SoloSuit 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 SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

Get Started

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

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:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

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.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

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.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources