Can you contest a debt thats listed on your credit?

My husband has some thing on his credit from a former apartment building where he broke the lease due to the management company severly not doing their job (they didnt take care of noisy neighbors, didnt make repairs or provide much needed pest control). We've even reported the apartment complexs to the Apartment Association, but im not sure if he can contest their outragegous charges. He also has a debt from a cell phone company %26amp; an insurance company trying to charge him for service after he asked them to turn the service off (no, they're not cancellation fees either). Can he contest any of these? And if so, how do you go about doing that? Do we need to hire an attorney?

Can you contest a debt thats listed on your credit?
Yes, you may contest them. You can request an investigation by the credit reporting bureau into the validity of the debt. You can also submit a statement on your credit report that anyone that pulls up your credit may see concerning the debt. I would wait to do the latter until you see if it is dropped from the file due to the investigation.
Reply:I would suggest at least speaking with an attorney. You can tell the credit bureau that you are contesting specific charges, but getting them resolved will have to be done with the vendors.
Reply:That's all pretty lame to tell you the truth. The time to contest charges is when the company is trying to collect the money. My guess is that your husband ignored them and they did a charge off. You can't owe an apartment company money and use the excuse that "they didn't do their job". You didn't pay your rent. A lease is a legal document and they can and probably did hold him accountable for the entirety of the lease contract.
Reply:You can dispute anything on your credit for any reason. This is something you can do yourself or you can hire a credit service to help you with it. We are a low cost service. Check out our website www.jcwilliamscreditservice.com


Most people prefer to use our services because of the time consumption of disputing your own credit.
Reply:You can dispute anything on your credit report. However, they only receive information from the company who gave them the information. So most likey that will not go anywhere because the companies will report it as still valid. You will need to talk to the companies the problems are with personally.





You can hire an attorney, but you just need to ask is the attorney going to cost more than the debt? Unless this debt is over $1000 or so you might be better trying to do it yourself or just paying them off.





Write to the companies and ask for the bill that states what the charges are for. Compare this with exactly what your contract says to see if there was not some fine print you had missed.