Legal Question in Credit and Debt Law in Texas
Collection agency threats.
Our 23 yr. old daughter moved into an apartment on a 7 mo. lease that my wife and I co-signed on. At the end of the lease period, she signed a lease for 12 months that we were not asked to co-sign on and in fact did not co-sign. Three months into this lease our daughter(the lessee) lost her job , had to have surgery and decided she could no longer pay the rent. Upon payment of her final months rent she notified the apartment management she was going to have to move out. I have been getting phone calls from a collection agency stating that we are responsible for our grown daughters so called debt. We told the collection agency we were not responsible for the debt since we did not co-sign for her upon re-newal of the lease. In so many words the coll. agency person said he could ruin our credit if we did not pay up. I told him we were not responsible for this debt and to quit calling us. Can he file a false claim against us and if he does how do we sue him? Thank you for your time.
1 Answer from Attorneys
Re: Collection agency threats.
Contact the apartments..you could sue the collector and the creditor..violation of the Texas and Federal Fair Debt Collection Acts...damages include attorney fees and costs...