Second Round LP is a debt collection agency which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
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What is Second Round LP?
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.
Is Second Round a scam?
They’re legit. 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.”
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against Second Round LP?
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.
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Second Round would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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 call made.”
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 Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (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).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you 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.
Want to Stop Second Round LP Debt Collection Harassment Now?
“The group at Lemberg Law was professional, courteous, and effective. Their grasp of consumer protection laws and guidelines are second to none, and they work extremely difficult to ensure this procedure is client-friendly.”
“After a few months of frustration with a debt collector, I eventually called Lemberg Law. It was among the best financial decisions I have ever made. Jody and her staff were comprehensive, useful, and above all else powerful. I highly recommend their services and thank them for their continual efforts.”
“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
Can Your Firm Help me Deal with Second Round LP?
In short, the answer is yes. Contact us to find out more.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.