How to i challenge the information that an apartment complex fowared to the collection agency for collections?

Question

i lived an copper mill apartments for 3 years. for 35 months i paid w/ a check. the last months rent was paid orgianally w/ a check. it bounced. i paid all fees w/ money order. the said sums were paid by me and a third party. my portial was not "paid" although i turned it it. i think it was stolen. i was never contacted until 2/07. by that time the balance was 1100. i couldnt talk w/ them. no one answerd calls and the head guy was rasict. he then began taking on fees not requested at first, or by apt complex for a larger pocket claim. since i lived there and its a "said amount" efifax wont do ne thing. so i have to get to copper mill and thier reps to dispute and tell them what happend. but they wont speak to me b/c it said its in collec

Answer 1

You need to get a copy of the cashed money order to prove that they cashed it. Otherwise, it is just your word against theirs, and you'll probably loose.

Answer 2

To undertaking this you first ought to substantiate whether or no longer the series has hit your credit record yet or no longer. If it hasn't, then the main suitable component to do could be to touch the corporate workplace and haggle a deal out of them. tell them you will do what ever is financially a threat so which you are able to shelter this minor discrepancy. they are going to paintings with you and supply you time. The time section you need to ask for. tell them you want 3 months. or maybe they are keen to take money. Regardless, pay the invoice. you would be kicking your self later once you attempt to be conscious for credit in case you probably did no longer. Now, if it hit your credit record you are able to record a dispute. by using regulation, the credit bureau ought to freeze the account and mark as, "In dispute". they are going to then ought to look into. they are going to touch the unique credit granter. (residence complicated). The complicated will now have precisely 30 calender days to coach that the account is at your fault. in the event that they do no longer respond, maximum do no longer waste the time as a results of fact it does not harm them to forget with reference to the dispute, then it will be wiped out of your checklist. in the event that they do respond, then it keeps to be on there till paid, or 7 years. See the cost to gratifying the account. this is the catch. Write the credit bureau a letter by using hand purely. do no longer record a dispute on line. you would be giving them to lots information and you opt to proceed to be very accepted approximately issues. sign your call and say relatively that the quantity filed is incorrect or the account has been chuffed. no longer the rest. that's significant. different than this, there is not any longer a good purchase you're able to do. in case you finally end up paying the invoice, it will be seen for precisely 2 years from final interest so every time you be conscious for a private loan, or credit card, they are going to see it. Pay in previously than later. The dispute technique takes time, to lots time. good success to you.

Answer 3

Have you contacted the money order company to see if it was cashed? Ask them for a copy then send the copy to the apartment complex.
Also racism doesn't seem relevant if he is or not.