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Question By
Ginger2575

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collection account, original creditor out of business
I have a collection account from a previous landlord I refuse to pay. The collection agency split this into two separate accounts. They charged us for things that we didn't do, I attempted to fight it prior to it going to collections, but could not get a hold of my original landlord to prove anything. The property was sold in the middle of our lease. I recently found out the property management company that sent us to collections went out of business three years ago. I am still liable for this? Or can I get it removed from my credit report?

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Top Contributor
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I suggest that you contest these

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Read up on "Validation Letter"  google it for more info on how they work and a template.

Write one letter for each account on your report in question.  You will be asking them for copies of the original contracts bearing your signature.  Since you say they "split this up" chances are very good that they do not have the proper paperwork in their files.  If they don't,  then they can not pursue this any further and are required to remove the account from your report.

Remember: 1 letter for each account.  Hand write your letters, Computers can't read cursive, so a human has to deal with it. Be very specific in what you are asking for. Copies of Original Contracts bearing your signature. 

Good luck

Top Contributor
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You are most likely still liable for it, mostly because the collection agency purchased the debt, so you (barring a court judgement in your favor) owe them. 

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