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timeliketears · Joined: 12 Mar 2005 Posts: 1

I have been experiencing collections about a debt I allegedly owe to an apartment complex. The long and short of it is that my estranged husband and I rented an apartment, and he left me. Not being able to keep it up, I gave up the apartment. Their collections agency is now trying to collect on the account, but I am certain that I was not listed as a leaseholder in this apartment. My husband was the leaseholder, and I was listed only as an occupant. This was over three years ago. The debt is on my credit report, and I am in the process of formally disputing it. I have also drafted a letter to the collections agency, asking that they prove my debt. I would appreciate it if someone could read it over and tell me if it's well...proper to the situation. I think it's acceptable, I have been a collector myself, and I was ever a stickler for the rules.

"03/11/2005

To Whom it may concern:

I have been contacted by your company about a debt you allege I owe. I am instructing you not to contact me further in connection with this debt until your office is able to provide me with documentation detailing the charges I am said to be responsible for. This will include an itemized list of all charges, a certified copy of the lease agreement with the apartment complex showing myself as a primary leaseholder, and the date the account was acquired by your company along with the price for which it was acquired.

It has not been established to my satisfaction that I owe any amount to the apartment complex, despite numerous requests to that effect. Until documentation is provided to me with proof positive that I am responsible for any monies owed, I hereby dispute any and all parts of this alleged debt. This debt has been reported to consumer credit reporting agencies, however if I am not satisfied as to its validity, I am prepared to pursue my rights under the Fair Credit Reporting Act to their fullest extent.

Again, this communication is to inform your office that no further contact will be tolerated until and unless the above provisions have been met. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. If your office wishes to have any further dealings with me on this matter, all subsequent communication will take place by United States Mail.

Sincerely,

timeliketears"

Also, a related question, this collection agency gave my current home address to my estranged husband, whom I have not seen in over 4 years. That smacks of privacy violation, is there anything in the FDCPA that prohibits them from doing this?

Thank you so much for your advice.

Denny · Site Admin Joined: 19 Oct 2004 Posts: 122

I just read your letter and it

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