Consult with a FDCPA attorney for further assistance.

I moved from an apt complex and now they are saying I owe all these ridiculous charges (not giving notice, cleaning up, repainting) and have sent this to a collections agency. These charges are at approx. $1,400.00 and I have disputed these charges with the collection agency, with also a bill I received dated AFTER the invoice of these charges only showing a balance of $450.00, not the $1,400 they are saying I owe. They will not provide an answer to why I received a bill showing a balance of $450.00 (please note this balance is dated after the "said invoice"). Additionally, they have not given a reasonable answer to why these invoice charges are so high. I have written a couple of times to this collection agency asking for an explanation on both (balance less after date of invoice and why are the invoice charges not reasonable) and they are ignoring my requests and demanding that I pay the invoice charges. Please advise on what I can do next?

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If you’re not satisfied with the response, file a consumer complaint with the FTC.

Collection agencies aren’t supposed to misrepresent the debt amount or ask you to pay more. Consult with a FDCPA attorney for further assistance.

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How many days have passed since you sent the validation letter? Send it via certified mail with return receipt requested, so that you can use it as proof, if required.

If the collector fails to validate it within 30 days, they’re not supposed to continue the collection or list it in your credit report. Check your reports, if they have, and send a letter to the CRA disputing the dues, and ask for verification.  

You can even send a cease and desist letter to the CA if you want to stop the collection attempts.


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