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Discussion in 'Credit Talk' started by flygirl2, Oct 5, 2016.
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Is the entry under the OC or a CA?
If it's under the OC the policy can be what they want, while it is not against the law, the law doesn't prohibit them from lying as to what the law is.
If it is under a CA, the law prohibits lying to collect a debt.
Did you demand validation of the debt? That would hopefully find the basis of the $5,000 claim.
I have no idea what the OC or CA is. I am so lost with all of this! They told me what the charges were for:
Two months of rent and cleaning fees.
I had made an agreement with the apartment complex that they could keep my security deposit and last months rent so there should be no rent in collections. As far as the cleaning fee goes I did not think I left it dirty but would have been willing to pay for that and have the rug replaced.
OC would be the management company/landlord.
CA would be anyone else collecting for them.
Telling you what they say it is for is different than proving it.
The OC wouldn't have to provide proof, but a CA would. But you surely can ask them to prove that the amount is correct, especially if it is on your credit report.
I'm sorry to hear about your situation flygirl. You're not alone. This happens to people all the time when they break a lease and think they've solidified a deal with their landlord. Then, much to their surprise, a collection shows up on their credit reports.
My guess is you're probably dealing with a CA (Collections Agency) at this point. Once you confirm that, you definitely need to request validation of the debt. And as jam mentioned, it's not against the law to accept a pay for delete. You can definitely negotiate that if you get to the right person who is willing to work with you.