posted by on Sep 5
Spinn asked:
My husband has some thing on his credit from a former apartment building where he broke the lease due to the management company severly not doing their job (they didnt take care of noisy neighbors, didnt make repairs or provide much needed pest control). We’ve even reported the apartment complexs to the Apartment Association, but im not sure if he can contest their outragegous charges. He also has a debt from a cell phone company & an insurance company trying to charge him for service after he asked them to turn the service off (no, they’re not cancellation fees either). Can he contest any of these? And if so, how do you go about doing that? Do we need to hire an attorney?
Ok, if your going to answer my question, please refrain from being a total jackass in the process. I have done my research on my states laws involving tenants rights and you can break a lease and file a complaint against the complex on the grounds that management did not properly look out for your comfort & security. My husbands car was broken into & damaged while living there & he was even exposed to mold spores because management didnt properly fix his a/c. The management company did not do their job, plain and simple. My QUESTION is can we contest the debt that is now on his credit. I didnt ask for your opinion of my husband, I asked for an answer.
P.S. Thank you to those who actually answered the question in a civil manner.
My husband has some thing on his credit from a former apartment building where he broke the lease due to the management company severly not doing their job (they didnt take care of noisy neighbors, didnt make repairs or provide much needed pest control). We’ve even reported the apartment complexs to the Apartment Association, but im not sure if he can contest their outragegous charges. He also has a debt from a cell phone company & an insurance company trying to charge him for service after he asked them to turn the service off (no, they’re not cancellation fees either). Can he contest any of these? And if so, how do you go about doing that? Do we need to hire an attorney?
Ok, if your going to answer my question, please refrain from being a total jackass in the process. I have done my research on my states laws involving tenants rights and you can break a lease and file a complaint against the complex on the grounds that management did not properly look out for your comfort & security. My husbands car was broken into & damaged while living there & he was even exposed to mold spores because management didnt properly fix his a/c. The management company did not do their job, plain and simple. My QUESTION is can we contest the debt that is now on his credit. I didnt ask for your opinion of my husband, I asked for an answer.
P.S. Thank you to those who actually answered the question in a civil manner.
September 7th, 2008 at 2:54 am
I would suggest at least speaking with an attorney. You can tell the credit bureau that you are contesting specific charges, but getting them resolved will have to be done with the vendors.
September 9th, 2008 at 2:31 am
That’s all pretty lame to tell you the truth. The time to contest charges is when the company is trying to collect the money. My guess is that your husband ignored them and they did a charge off. You can’t owe an apartment company money and use the excuse that “they didn’t do their job”. You didn’t pay your rent. A lease is a legal document and they can and probably did hold him accountable for the entirety of the lease contract.
September 9th, 2008 at 5:25 am
Yes, you may contest them. You can request an investigation by the credit reporting bureau into the validity of the debt. You can also submit a statement on your credit report that anyone that pulls up your credit may see concerning the debt. I would wait to do the latter until you see if it is dropped from the file due to the investigation.
September 12th, 2008 at 9:13 am
You can dispute anything on your credit report. However, they only receive information from the company who gave them the information. So most likey that will not go anywhere because the companies will report it as still valid. You will need to talk to the companies the problems are with personally.
You can hire an attorney, but you just need to ask is the attorney going to cost more than the debt? Unless this debt is over $1000 or so you might be better trying to do it yourself or just paying them off.
Write to the companies and ask for the bill that states what the charges are for. Compare this with exactly what your contract says to see if there was not some fine print you had missed.
September 15th, 2008 at 3:16 am
You can dispute anything on your credit for any reason. This is something you can do yourself or you can hire a credit service to help you with it. We are a low cost service. Check out our website
Most people prefer to use our services because of the time consumption of disputing your own credit.