North Florida Nesties
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I just got a bill in the mail from our old apartment for $195! We had a $300 security deposit and they are telling us that we owe $195 on top of that. There is no way that we did that much damage in 3 years.
DH is going to flip his sh!t when he gets home.
Re: Thursday Vent Fiesta
I don't want to go to the gym tonight. I want to go to Brucci's & eat pizza & drink beer.
I'm glad DH realizes he can't fuuk up his meds again, but I hate that he had to learn the hard way & put us both through two weeks of hell.
Oh & because my cycle is all wonky, AF gets to go to Europe with us. Whore.
I do. DH is going to call them tomorrow. The complex is old as crap and no one is renting in there so I think they're doing all they can to get every dime they can.
I'm done being angry. Whatever.
That happened to me when I was in college. After I moved out of my apartment complex my junior year, they sent me a bill saying that I owed money for damages (which was ridiculous because nothing was damaged). I did some research online and disputed the charge using the following template letter. In the end, it worked! I never heard from them again lol (probably because they had no proof to back up the charges). I did send a certified letter first, per below.
_________
"On [date], I sent a certified letter to [name of complex] explaining that I do not believe I owe $X. For your convenience, I have included a copy of this letter as well as the certified mail receipt. So, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following:
? What the money you say I owe is for;
? Explain and verify how you calculated what you say I owe (show proof in the form of pictures and/or receipts)
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:
? You cannot add interest or fees accept those allowed by the original contract and state law.
? Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA.
? Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.
I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB), then you must immediately inform them that this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information directly violates the FCRA ? 1681s-2.
If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money to so they are also aware of my dispute with this debt.
Finally, in accordance with section 805(c) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law.
Sincerely, "
01.03.09 {MARRIED BIO}
Make a pregnancy ticker
AF was with me the entire 3 weeks we were in Morocco & Spain. It sucked, I'm sorry.
My Ovulation Chart
Ughhhhhhhhh.... That must've sucked.