Summary
Ronald received a letter from a collection agency, Anderson and Associates LLC, claiming he owes money for a rental from Bertolucci Management Inc. In Oregon. The charges include repairs and cleaning that Ronald had already done, evidenced by date-stamped photos. He was advised to dispute these charges with the rental company and the collection agency, provide them with the evidence, and file a complaint with the Oregon Department of Consumer and Business Services if the collection agency refuses to provide a written explanation of the debt.Full Conversation
I have received a letter in the mail from a collection agency saying that I owe money for a rental that I had in Oregon and it has a few fraudulent charges on it
Did you dispute these charges with the rental company before it went to collections?
In Oregon, you have the right to dispute fraudulent charges. If you haven't done so, contact the rental company and the collection agency immediately.
I have tried to ask them for a written explanation of the charges but they haven’t sent me the information I requested
What is the name of the collection agency? In Oregon, collection agencies are required to provide a written explanation of the debt upon request.
Anderson and associates LLC
What is the amount of the fraudulent charges you are disputing?
In Oregon, you can file a complaint with the Department of Consumer and Business Services if a collection agency refuses to provide a written explanation of the debt.
$*.* plus interest
Have you filed a complaint with the Department of Consumer and Business Services in Oregon?
Oregon law:
- Collection agencies must provide a written explanation of the debt upon request.
- You can file a complaint if they refuse.
not yet
You should consider filing a complaint with the Oregon Department of Consumer and Business Services. Their contact number is (*) *-*.
ok thank you
You're welcome, Ronald. If you need further assistance, feel free to ask.
alright
Have you contacted Anderson and Associates LLC about the fraudulent charges?
Oregon law:
- You have the right to dispute fraudulent charges.
- Collection agencies must provide a written explanation of the debt upon request.
not yet should I
not yet should I
Yes, you should. It's important to communicate with the collection agency about the disputed charges. Keep a record of all communications for future reference.
ok
Have you kept a record of your communication with the rental company regarding the disputed charges?
yes
That's good. Have you also kept a record of the original rental agreement and any other related documents?
I have a copy of the original contract
That's great. Have you reviewed the contract to see if there's any clause that might be relevant to these disputed charges?
yes
What did you find in the contract that might be relevant to these disputed charges?
it says that they can charge me for cleaning and anything that might not to be fixed but I have pictures of the property and it conflicts with the charges they are trying to get me to pay
Have you shared these pictures and your concerns with the rental company and the collection agency?
not yet
not yet
no I haven’t
You should share these pictures and your concerns with both the rental company and the collection agency. It could help dispute the fraudulent charges.
ok
What is the name of the rental company?
Bertolucci management inc
What is the exact nature of the fraudulent charges that Bertolucci Management Inc. is claiming?
repairs and cleaning that I had already done and they have a section that just says august * with three different charges and then September with three different charges as well
What evidence do you have to prove that the repairs and cleaning were already done?
pictures on my phone that are date stamped
Have you considered sharing these date-stamped pictures with the rental company and the collection agency as evidence of the work done?
TRY ME!
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