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Established Member
Posts: 15
Registered: ‎09-20-2012
0

new debt

I am so upset. 

 

I have a quick question, I moved out of the apartment complex two months ago; the complex sent a final move out notice stating I owed $30.00. It slipped my mind; I checked my credit report this morning (received alert) and a collection agency has added it to my credit report! ARGGGHH!!!! They didn't even contact me. Are they allowed to place debt on my report w/o first contacting me.?

Mega Contributor
Posts: 19,568
Registered: ‎03-19-2007
0

Re: new debt

[ Edited ]

Yes.

Once a debt collector has intiated communication with a consumer, including posting to their credit report, they are required to provide the consumer a collection (dunning) notice within 5 days thereafter. 

They were required to have sent dunning notice within 5 days after their reporting.  Failure to have done so is a violation of FDCPA 809(a).

Lack of timely dunning notice is not, in and of itself, disputable under the FCRA, as the issue is their failure to have complied with their debt collection practices obligations, not the accuracy of the reporting itself.

Established Member
Posts: 15
Registered: ‎09-20-2012
0

Re: new debt

Thank you for your quick response! 

 

Do you have any recommdentations? Should I contact them or wait for the notice?

Mega Contributor
Posts: 19,568
Registered: ‎03-19-2007
0

Re: new debt

If you wish to obtain verification of the debt and impose a cease collection bar on the debt collector, then lack of dunning notice is actually and advantage.

 

Any DV request will impose a cease collection bar on the debt collector if sent prior to dunning notice, or within 30 days of receipt of dunning notice.

You do not have to wait for dunning notice to send a DV.

 

However, part of the decision as to whether to send a DV is whether you wish to begin active negotiations with them, such as a pay for delete (PFD) offer.

While under a cease collection bar, they cannot conduct negotiations.

 

What are your plans for addressing the actual debt?  Challenge its validity, get CR deletion, wait for CR exclusion, or just satisfy the debt?

They involve very different scenarios.

Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

Re: new debt

If it is just $30, pay it and be done with it is my recommendation.
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Frequent Contributor
Posts: 377
Registered: ‎12-10-2012
0

Re: new debt

Call and offer to pay in full for deletion. Be sure to also get it in writing before giving them a cent.
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