Liability if a lease is renewed and you are no longer a co-signer?

[LdiJ]

It is hypothetical because the OP wants us to guess at every possible scenario. For all he knows, they're suing him because they never got the keys back...or maybe he back in to a gate as he was moving out and now they want him to pay. Until he knows WHY they are asking for money, this is all hypothetical.

That is a bit of a stretch...plus, you and I both know that the original creditor is NOT going to provide any information and that the collection agency won't do any more validation than what the OP previously described.

Why do you even respond to threads that offend your sensibilities?

 

[latigo]

That's helpful.

This is how this is going to play out. I received the debt letter Saturday. The original creditor won't respond to questions, only that it has been turned over to collections. No other communication regarding a debt had been attempted by the apartment management. The debt letter was my first notification.

I sent a certified letter today to the debt collector requesting them to validate the debt and provide verification or judgement as well as an accounting of the amount.

In a few weeks/months I will get their response which will not have any information other than what is required by law. They are only required to provide a print out of the amount owed with the name of the original creditor under the validation section 809 of the FDCPA. The FDCPA does not require any accounting of the debt and based on research it is very unlikely to be provided.

When I get their response I will be in the same exact position with the same exact question as I am now. These questions will most likely only be addressed if the collection agency decides to sue for the debt and we go to court.

While I am standing in court with my documents and testimony I won't have the luxury of requesting free advice on this free advice forum. I have a tendency to PREPARE by war-gaming the different scenarios and coming up with my various courses of action BEFORE I need to act upon them. That is why I am asking the question now.

I have spoken to the other tenants and I am pretty confident this debt is as described in my original question.

No disrespect, but if answering the question about liability for damages if not on the lease is a waste of your time please just click on and allow someone else to answer the question.

If you have other advice on how to obtain the accounting of the debt I am open to any additional wisdom you can provide.

Well expressed!

Z might consider picking his sparing partners with more care. Here he is clearly outclassed.