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Hello: This is Phillipsesq. Welcome to JustAnswer! I am reviewing your post, and I will post my response very shortly. Thank you for your patience.
I am so sorry to read about your difficulties.
Yes, you can sue them for breaching the agreement and for damages the breach has caused you.
Unfortunately, I cannot predict what your litigation costs would be. However, the costs of litigation depend on the conduct of the parties in the case and their Attorneys. Also, I cannot tell you how much your case would be worth. That would be a determination made by you and your Attorney. This site does not offer legal representation. So, I cannot act as your Attorney.
Hi, my name is***** think I can help you with this matter. Do you have a written document reflecting the amount that you agreed to pay the company in return for them removing this debt out of collections?
So let me make sure I understand the issue here. You were in debt collections from an apartment building lease. You entered into an agreement to pay off the debt. After paying off the debt the apartment refused to take your debt out of collections arguing that the damaged carpet still need to be paid for by you. Is this correct?
Got it. Now that I have a better understanding on how you satisfied the debt. I suggest that you contact the three credit reporting companies: Trans Union, Equifax and Experian. Provide each of them with the proof of you satisfying this debt. Once you contact the credit agencies, the apartment complex will have so many days to dispute your claim of satisfying the debt. If the apartment complex is unable to prove that you owe them, or they fail to respond in so many days, the credit companies will have to remove this debt from your credit rating. This process is generally easy, but very time consuming. You really don't need to hire an attorney to accomplish this goal. However, you can hire an attorney or one of those credit repair companies for a fee to accomplish this goal. I suggest you get started soon, and keep a copy of everything you send to the credit reporting companies in the event you receive a letter from your employer regarding your credit. I hope this answers your question. Please let me know if you need any additional information.
Which company told you that the debt was in lawyer status, the collection agency?
I suspected that. Don't bother dealing with the collection agency, their only responsibility is to collect the debt. I would focus on contacting the credit reporting agencies. In addition you can write a letter to the collection agency disputing the claim and send your proof. That will generally stop the calls/letters that you may be receiving. I hope this information helps.
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