Collection

[Anonymous]

Hi, I'm new to this board and need help. I have a collection from 2003 from an collection company. I have tried to call them and work out something with me but basic communication with this guy is unachievable. His company was assigned the debt from an apartment complex that I used to live at and I guess they get a percentage if they collect. I bought a house and they said that I break contract if I was buying a house....then they sent me a letter a couple of months saying that I owed the last 2 months of rent. I lived there for 2 or 3 years, signing a 6-month every time.

My question: If a company turns over a debt and the collection company will not even send me the details of the collection, how would i go about dealing with this? I can't even get this guy to send me a bill or collection letter. He tells me to just pay what I owe. I just want to know what I can being charged for. I told my local credit bureau and they said that I would have to deal with the collection agency and the original company (the apartment complex) says to talk to the collection company also. Any thoughts?

[Anonymous]

The post right below this is a DV that I sent to a collection agency and it explains everything. All in all though they have to give you the contract that you signed and show you were you defaulted. They have to show proof, if they cant, then they cant report it, its plain and simple

[SmartCookie]

Welcome geomorphosis!  Please start here http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=2654 and also see the Frequently Requested Thread link up top.

First, stop ALL verbal communication with the CA. 

Now that you've done that, please check your state SOL for debt collection here: http://www.bankrate.com/brm/news/cc/20040116b2.asp?caret=8

Then, verify that that particular CA is licensed to collect in your state.

Let us know.