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It addresses problems tied to excessive or unreasonable charges, disputed amounts linked to early termination, attempts to collect paid accounts, and fees or interest not authorized by leases. The report also covers challenges with collecting old debts, verifying debt, identity theft handling, credit reporting protections, inaccurate bureau reporting, and abusive or persistent communications. 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NCLC’s expertise includes policy analysis and advocacy; consumer law and energy publications; litigation; expert witness services, and training and advice for advocates. NCLC works with nonprofit and legal services organizations, private attorneys, policymakers, and federal and state government and courts across the nation to stop exploitative practices, help financially stressed families build and retain wealth, and advance economic fairness.  \nNCLC.ORG  \n© Copyright 2022, National Consumer Law Center, Inc. All rights reserved.  \nABOUT THE AUTHORS  \nApril Kuehnhoff is a staff attorney in the National Consumer Law Center’s Boston office, where she advocates for fair debt collection. She is the co-author of NCLC’s Fair Debt Collection and a contributing author to Surviving Debt. Prior to joining NCLC, April was an associate at Shapiro Haber & Urmy LLP, a law clerk for the Honorable Justice Gary Katzmann at the Massachusetts Appeals Court, and a Skirnick Public Interest Fellow at the Cambridge and Somerville Legal Services office of Greater Boston Legal Services. She is a graduate of Wellesley College and Harvard Law School.  \nAriel Nelson is a staff attorney at the National Consumer Law Center focusing on credit reporting, tenant and background screening, and criminal justice debt issues. She is a co-author of NCLC’s Fair Credit Reporting treatise and a contributing author to Collection Actions. Previously, Ariel litigated administrative and environmental law cases as a staff attorney/ clinical teaching fellow at Georgetown University Law Center. She also served as a law clerk to the Honorable Judge David O. Carter of the U.S. District Court for the Central District of California and to the Honorable Judge Dorothy W. Nelson of the U.S. Court of Appeals for the Ninth Circuit. She holds a B.A. from the University of California, Berkeley and a J. D. from Harvard Law School.  \nChi Chi Wu is a staff attorney at NCLC focusing on consumer credit issues, including legislative, administrative, and other advocacy. Her specialties include fair credit reporting, credit cards, refund anticipation loans, and medical debt. Before joining NCLC, Chi Chi worked in the Consumer Protection Division at the Massachusetts Attorney General’s office and the Asian Outreach Unit of Greater Boston Legal Services. Chi Chi is a graduate of Harvard Law School and The Johns Hopkins University.  \nWesley Ward is a former intern at the National Consumer Law Center, where he worked on fair debt collection, fair credit reporting, and litigation matters. Prior to joining NCLC, Wesley interned in the Office of the New York Attorney General’s Consumer Frauds and Protection Bureau and was a legislative assistant in the Illinois Senate. He attends the University of Michigan Law School and graduated summa cum laude from Illinois State University.  \nACKNOWLEDGEMENTS  \nThe authors thank NCLC colleagues Carolyn Carter and Steve Sharpe for their review and comments, Anna Kowanko and Maggie Westberg for cite checking, and Michelle Deakin for editing. Thank you to Julie Gallagher for design and layout.  \nUNFAIR DEBTS WITH NO WAY OUT  \nCONSUMERS SHARE THEIR EXPERIENCES WITH RENTAL DEBT COLLECTORS  \nTABLE OF CONTENTS  \n1. INTRODUCTION 3  \n2. METHODOLOGY 4  \n3. PROBLEMS WITH THE AMOUNT OF RENTAL DEBT 4  \n3.1 Collection of Excessive or Unreasonable Charges 5  \n3.2 Collection of Disputed Amounts Related to Early Termination 6  \n3.3 Collection of Accounts that Were Paid 7  \n3.4 Collection of Fees and Interest Charges Not Authorized by Lease 8  \n4. PROBLEMS WITH COLLECTING OLD DEBTS 9  \n5. PROBLEMS W","cbCaivV9vxikuoHc","https://ap.wps.com/l/cbCaivV9vxikuoHc","pdf",1258071,32,"English","# Introduction\n# Methodology\n# Problems with the amount of rental debt\n## Collection of excessive or unreasonable charges\n## Collection of disputed amounts related to early termination\n## Collection of accounts that were paid\n## Collection of fees and interest charges not authorized by lease\n# Problems with collecting old debts\n# Problems with verification of the debt\n## Failure to provide requested verification\n## Failure to address identity theft\n# Problems with credit reporting\n## Credit reporting legal protections\n## Inaccurate information reported to credit bureaus\n## Failure to contact consumer about alleged rental debt before reporting\n## False or misleading statements about credit reporting\n## Impact of alleged rental debt on credit reports\n# Problems with communications\n## Excessive or abusive calls\n## Continued use of communication method after consumer asked to stop\n# Conclusion and recommendations\n## Recommendations for the CFPB\n## Recommendations for the FTC\n## Recommendations for state attorneys general\n## Recommendations for state legislatures","[{\"question\":\"What long-term harms do tenants face from alleged rental debt?\",\"answer\":\"Tenants may be unable to secure safe and affordable housing, and landlords can reject applications based on alleged debts. Rental debt is often reflected through tenant screening reports that rely on credit reports.\"},{\"question\":\"What issues does the report identify with the amount of rental debt collected?\",\"answer\":\"It describes collections of excessive or unreasonable charges, disputed amounts related to early termination, efforts to collect accounts that were paid, and fees or interest charges not authorized by the lease.\"},{\"question\":\"How does the report address debt verification and identity theft?\",\"answer\":\"It highlights failures to provide requested verification and problems with addressing identity theft when consumers are accused of rental debt.\"}]","Unfair Debts with No Way Out - October 2022 - consumer experiences with rental debt collectors | PDF",1789526948]