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Collections Law/Collecting Agency



I recently moved out an apartment complex and was told that I paid my last bill.  When I moved out I didn't do a walk-through inspection.  I sent an email to leasing office asking if I have any owe amount I need to pay. To which I didn't get a response.  A month passed, and now I received a call today from a debt collecting agency stating that I owed $21.80 to the apartment complex and $374 to the collecting agency as fee.  I mean I am willing the pay the amount that I owed to the apartment complex but I was never notified or billed for that amount and was put in collection and they're asking me to pay the $374 fee as well towards the agency.  

What can I do at this point if I dispute being unjustly billed extra for the fee?

Hello Jack.  Do you have a copy of your contract?  I would guess that any additional collection fees would have to be mentioned there. Also, keep a copy of that email.  Send the collection agency a letter of dispute asking for an itemized bill.  Also ask them what gives them the authority charge such a ridiculous collection fee.

Let me know which state you live in co I can research the collection fee matter.  This does not sound right to me, but I have hear of worse. I will be happy to further research if you would like.

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Ray A Miller


I am qualified to answer questions on the following subjects: FDCPA, FCRA and HIPAA as well as medical collections, general collections and collection agency related issues. I trained these subjects at a nationwide collection agency and customer service call center and audited around 150 representatives for compliance to the laws. I have been in the Collections Industry for over 30 years. I feel that everyone deserves to be treated fairly and with compassion and that is the way I trained collectors. Even though I worked for a Collection Agency, I get great satisfaction in helping those who have been mistreated or in need of help with these confusing issues.


I was the Compliance Administrator with a nationwide collection agency and customer service call center-I have trained hundreds of collectors on the above referenced topics. I have been in the medical collections industry for over twenty years and research these topics on a daily basis.

ACA International

Some college ACA Certified Collection Specialist

Past/Present Clients
I am retired due to medical conditions and spend a good deal of time keeping current on collection issues.

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