My experience has been that an agency may not take over a debt before the 31st day after move out. Different agencies require different documents. To be safe, have these documents organized and available. Signed lease, rental application, move out statement documenting all charges, and any supporting documents such as receipts. See my blog atwww.thelandlorddoctor.com or contact me at Bill@thelandlorddoctor.com Good luck!
No, it is not illegal for a collection agency to buy your debt and attempt to collect it from you.
They can attempt to collect. If the debt can be proved to be invalid the information should be forwarded to the agency via certified mail. Whether or not the debt is invalid under the terms of the orignal agreement depends on the how it would be viewed in court (if it comes to that).
Attempt to collect: yes they can attempt to collect long after the 7yr tradeline expiration date. Report: no since the very first account default triggers the 7yr deletion timer not when the collection agency receives it from the original creditor.
Only if they are licensed in another state and only if that state requires a license. If no license is required, any agency can collect there.
no
If the bill is unpaid, a collection agency can attempt to collect forever if they choose to. Nothing illegal about it.
No. In fact, they are required by law to notify you of who they are and that they are attempting to collect a debt. This is covered under the Fair Debt Collection Practices Act (FDCPA).
yes
To report someone to a collection agency, you typically need to provide the agency with the individual's contact information and details of the debt owed. The agency will then attempt to collect the debt on your behalf. It's important to follow the agency's procedures and provide any necessary documentation to support your claim.
If they obtain a judgment against you, some state's houses are protected
No.
Yes, Collection agency can do that. But contact a good collection agency like Guardian Credit Services, they know will how to deal with customers to get money