Rental and apartment debt collectors

• Ask for the lease, the move-out inspection and the itemized security deposit statement. Many states make landlords itemize deductions within a set number of days.
• Normal wear and tear generally can’t be charged against a deposit.
• Collection accounts can show up on tenant screening reports, so dispute errors before you apply for your next place.
• Keep your own move-out photos and the date you returned the keys.

Time limits: A written lease is usually covered by the state’s written contract limit. Check your state.

Ask the collector to prove it

1. Collecting a debt the person says they don't owe46%
2. False or misleading statements21%
3. Missing or unclear written notice about the debt19%
4. Threatened or took negative or legal action7.2%
5. Calling too often or after being told to stop4.3%
6. Problems with texts, emails or social media messages1.5%
7. Contacting or threatening to contact other people1.1%