My sister co-signed on an apartment complex lease in Ohio with her son. The son broke the lease and now they are coming after her and threatening to post a collection on her credit report. The apartment DID incur damages in lost rents and repairs of $3512. Can she do a debt validation in this situation since she did sign a contract? Is she better off paying the amount to avoid hurting her credit rating? Any help or direction would be most helpful.
Since she co-signed she is responsible for this debt. She can request validation from a collection agency, but not the original creditor (unless state law differs - I'm not a lawyer and don't know Ohio's laws) If she lets it go to a collection agency she can request validation of the debt, but her credit will already be damaged if they put a TL on her CR's!
