I have a desperate situation court is thurstday.
I lived in an apartment. 5 and a half years after I moved out I receive a call from attorney(never received a call from collection agency)
that I owe 3000$ in damages + 10% interest for each year. I never received
a bill, call or anything notifying me about the dept although I lived in a house
and my phone number did not change in 10 years. I have no way to dispute the bill because all records in leasing company are destroyd after 3 years.
the court documents they sent me have records all years except 2000 when I moved out. move out document that they provide says that I moved out a month after I actually moved out. I went to the office and asked someone for my move out document. and she gave me by mistake a document that says I moved out in august, not in september as their court document states.
here is what they do: they work with collection agency, who sent the bills to some imaginary address for 5 years. they MUST however know my exact address since they know my social security number. now collection agency is sueing me for damages(3000$), interest + their court expenses.
their damage bill is made up. (but I can't prove it because I don't have original copy). after three years apertment company destroys all documents. and they have 6 years to file in collection agency.
I found this document, but lawer that I consulted with said that it not against the law to sent bills to wrong address.(but where did they get that
wrong address, they had my SSN).
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm
the problem is that they did not show records for 2000 in first hearing. I got records for 2000 from office lady(who did not know what was going on) and the document says that I moved out in august of 2000 not in september of 2000. so they provided false document in court and want money for september.