Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


Sign in to follow this  

Collection agency able to collect from occupant?

The last post in this topic was posted 2671 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts

Hey guys. Question to help out the neighbor today. So in attempting to help her with her credit woes, she gave me some detail on a collection on the report and I figured I would dig for insight. The collection is for a broken lease at an apartment that she shared with her now Ex husband. The lease was in the ex husband's name... meaning he was the only APPLICANT, however, she had to be listed on the lease due to occupying the space. She never paid an application fee, had the credit ran or anything in order to do this. With the parties collecting on this lease, does it exclude her from being liable since she was on the lease but only due to being occupant. I could not find much information on this on the general internet so figured i'd see what our experts say. Thanks in advance for your help guys.

Share this post


Link to post
Share on other sites

She said she does not believe that she co-signed the lease because when she originally attempted to move into the place, her credentials were not strong enough. She stated that the ex-husband applied seperately from her and was able to obtain the residence and they had already been in the lease. She stated that some time later, she was told she would have to be put on the lease due to residing there. She says that she had to sign something, however, it was not the application process that she was familiar with.

Share this post


Link to post
Share on other sites

She said she does not believe that she co-signed the lease because when she originally attempted to move into the place, her credentials were not strong enough. She stated that the ex-husband applied seperately from her and was able to obtain the residence and they had already been in the lease. She stated that some time later, she was told she would have to be put on the lease due to residing there. She says that she had to sign something, however, it was not the application process that she was familiar with.

Sounds like she probably signed the lease. I can't think of anything else they'd make her sign.

Share this post


Link to post
Share on other sites

The last post in this topic was posted 2671 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  

  • Similar Content

    • By MarvBear
      https://www.fi-magazine.com/360172/lease-credit-approval-rates-dip-slightly
       
      There is no paywall.
    • By Genie
      I’ve had my auto loan with Santander Consumer for 6+ months. I want to refinance like the dealer suggested to lower my payments. I pay $650 monthly and it’s $612 due every month.
       
      I have to confirm this information but I think the apr is at 17.05% & CL is $27,292.08
       
      Who should I refinance with?
    • By MarvBear
      https://www.autodealertodaymagazine.com/358021/mazda-turns-to-toyota-for-captive-financing?utm_source=email&utm_medium=enewsletter&utm_campaign=20190902-NL-ADT-Enews-BOBCD190827012&omdt=NL-ADT-Enews&omid=1000693576
       
      No Paywall.
       
      WASHINGTON — Toyota Motor Credit Corp. will replace Mazda Capital Services as the captive consumer loan and lease financing company for U.S. Mazda dealers, according to a report filed with the Securities and Exchange Commission Wednesday.
    • By FlyingBroke! - Rod
      Hi Guys,

      I've been around these boards since 2006, but haven't posted in a few years. Now, I'm needing some Car advice, please.

      Situation: My husband and I both had car leases when we filed for BK7 in Jan. 2017. We did NOT reaffirm either of the two leases in the BK7. I was working from home at the time, so I stopped making payments on my car and it was subsequently reprocessed (voluntarily) by Hyundai some 90 days later.  My husband, on the other hand, has a 1.5 hour commute to work and decided to continue to make his lease payments, even after the BK was fully discharged. 

      Now, two years after our BK7 was discharged, my husband's lease is now up and he will need a new car. The thing is, he has never missed a payment to Nissan Motor Finance, nor have we ever been late.  The car has NO damage, but has a great deal of wear and tear, and is way over the agreed lease miles, currently at 52,000 of the 30k signed at lease.  So, we can walk away and owe nothing because it was included in the BK7, OR we have considered reaffirming the lease in order to retain the positive payment history with Nissan.  Then it occurred to us, that if we reaffirm the lease, then we will mostly likely have to replace the tires, brakes, and pay huge fees for being over the miles. 

      My husband has been very loyal to Nissan; this being his 4th lease, and he would like another Nissan, just not this one.  

      What should we do?   Thanks in advance! 

      Please move if this is not the best forum for this post. TY



  • Member Statistics

    • Total Members
      179,900
    • Most Online
      2,046

    Newest Member
    ForwardFinanceSolution
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines