What would you do?

My ex left me with a debt from a joint lease after we broke up. Left them the place to live so they weren’t on the street and they abandoned the property. Court dismissed the case from the landlord. Landlord sent it to collections anyways. Three different lawyers have said to me the debt is unenforceable.

Now it’s on my credit report and I am having trouble finding a place to live. Been living in AirBnB rentals for awhile now…. Help?

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Can you contact credit report companies to take it off your reports? Use court documentation to back up the removal claim

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Thanks. I have tried this and the credit companies will only mark it as disputed but won’t remove.

Offer them 2500 cash now to settle it and tell them you need it in writing that it is settled and they need to send that letter to you and also the credit agency and just be done with it. I had to forfeit an old apartment I had with my x because he became abusive and I had to run to my moms house and I had to do all this to get a new apartment. It was not fun- but it felt good to just get over it and be free from it

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Thanks 🙏

Have you sent a debt validation letter to the collection agency yet?

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Yeah, it might be. I’m using a legal benefit so it’s not as much as it could be.

How much is it

Actually, be careful paying it without negotiating a pay for delete with the collection agency. If you don’t, it will just show as “paid” and it still might be hard to find a new place.

If you do intend to pay it, call them and offer them like $1k to delete within 7 days of receiving payment. Get it in writing! Once you have it in writing, pay it and they should delete from your report.

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