Should I hire an attorney for a joint apartment lease collection?

[kewljess]

Hello everyone,

 

 

I had a joint-lease that was broken only a few months after we had opened it. Three years later it showed up on my CR...

Since 01/2011, when it first became delinquent, I had not received any correspondence from the CCA regarding the debt.

 

 

I hired Lexington Law, they disputed it many times, I fired Lex Law, and today I finally received a letter in the mail from NCC Businesss CCA with details about my debt. There were a total of 3 roommates including me but I lost all contact with them since 12/2010. WE owe around $3,800 total... I dont want to be the person paying the entire amount because all three of us were responsible... What should I do.... I am very reluctant to contacting the CCA,,,

 

I just want this off my credit and want to avoid being sued since the SOL in Arizona is 6 years....

 

The date of delinquency in my opinion is the first month that rent was not paid which was Jan 2011 -- why then does it report on my credit as March, 2013?

 

Attorney fees are $250 per hour. Yikes!

[inoubliable]

The DOFD, on a paper report, actually reports as March 2013?

[pwd847]

I'm pretty sure anyone on that lease can be held 100% liable. That's why when my sister got a Discover card, they wanted my mom to cosign. If there is a debt owed and my sister can't pay it, discover can go after my mom for the money.

 

Why was the lease broken? You guys just decided to leave?

 

How did the CA come up with the $3,800 figure?

[comrade1]

There are plenty of options. You can settle for a fraction of the amount, however make sure it is contingent upon the removal of the item from your credit report. Most collection agencies have settlement parameters already in place regarding a deficiency balance and they are negotiable.