Assurant stopping you?
Florida consumers may be contacted by Assurant for a broken a lease from an apartment complex, alleged damages, or cleaning fees, or the apartment management said that they owe money for whatever reason. The charges may be unlawful, unfair, and may BREAK THE LAW.
YOU HAVE RIGHTS when in apartment debt collection. We can ensure your rights are protected and go after those that violate them
5000 Yonge St, Suite 2000
Toronto, Ontario M2N 7E9
Phone: (416) 733-3360
Can I remove an apartment debt collection from my credit report?
Dispute with Assurant You can dispute the account directly with the credit bureaus (Experian, Equifax, or TransUnion) or directly with Assurant. We believe that disputing directly with Assurant may yield the best results when you know exactly the correct dispute process. Florida residents are owed documentation to validate the apartment debt collection. Even if they provide the documents, they must be compliant with Federal and Florida State law. Your rights give you the opportunity to possibly find violations of law. Violations of law can possibly be used to offset the amount owed or entice the debt collector to remove the account from the credit report.
Settle with Assurant You can decide to settle with the apartment debt collector. One debt settlement strategy is to create a Hardship letter detailing why you can not pay the full amount due. So many consumers do not go through this extra step and it will make you stand out. Our law firm writes a professional hardship letter with many debt negotiations. Ask for removal of the account from the credit report as part of the settlement. This is often called a Pay for Delete agreement. Remember, the deal is no good unless it is writing from Assurant.
Reasons for a Great Hardship Letter
Recent loss of vehicle or home
Taking care of relatives
Consider including in your hardship letter a basic household budget. It is OK to show that you have a little money left over at the end of the month. You just want to demonstrate you are not wasting your money and their reduction is not charity. It is necessary for you to resolve the apartment debt.
Florida Law and Assurant
Apartment leases and property leases inside the State of Florida are governed by Florida Residential Landlord Tenant Act. This property code lays out the rights and obligations of the tenant and landlord a residential lease situation. The apartment debt collection companies must follow Florida Residential Landlord Tenant Act and Florida Consumer Collection Practices Act (CCPA) in collection efforts.