I don't work there but I have worked with them quite a bit and I know a substantial amount of collection and landlord tenant law, so I'm going to attempt to help you with your questions. I'm not here to argue, but I am going to say it like it is.
- Crystal Petrillo - First, it doesn't matter who broke the lease or why, you are both responsible for 100% percent of the debt which means that you can both be held responsible for 100% of the debt - there is no "halfsies" on this debt - that is what is meant by joint & several liability which was probably in your lease. Also, you gave someone else's card information to hold your account which automatically agrees you to a payment arrangement. That's fraud on your behalf, stop using other people's cards. Also, if you pay your debt within thirty days, there is not any credit reporting. The company may also suggest removing the debt from your credit for the right price (don't be looking for credit deletion if you paid your debt 4 years ago or it's for $134 electric bill.)
- scoprion - You owe them a debt which they procure by assignment of contracts. Which means that they most likely already have your social. Just use it to find your account and stop being difficult over something they already have. OR, feel free to check your credit report because they will report to the bureaus.
- mustangc - No, you didn't pay the company anything since you committed bank fraud by authorizing a transaction and then stated that IQ Data committed fraud by processing the transaction. IQ Data did not sue you for breach of contract on behalf of themselves, they are assigned the accounts by the apartment. So, they are suing you on behalf of their client which is the apartment. Depending on your state, the debt accrues interest at so much percent per annum (year). In Washington, it is 12% per annum which is set BY THE STATE, not by IQ Data. It is a valid charge. This is too hard, I will just respond directly to each one...