Legal Question in Credit and Debt Law in Georgia

I leased a car in Jan. 2015 and they notified my insurance carrier in Nov. 2015 that there was damaged caused from my rental that they wanted paid for. The car was fine when we returned it and my insurance has denied the claim. I got a letter that I have to pay it or they will take it to court. Can they report it as an unpaid bill to the credit bureau without proving I caused the damage?


Asked on 12/03/15, 7:58 am

2 Answers from Attorneys

Scott Riddle Law Office of Scott B. Riddle, LLC

Yes - they can sue, or they can just send it to a collection agency, depending on the amount. See how it plays out. In the future, when you return a rental car walk around it and take pictures from every angle.

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Answered on 12/03/15, 8:17 am

I agree with Attorney Riddle. I don't know that this necessarily is going to show up on your credit report. It may; it may not. If it does, you can add a 100-word dispute to your report. That should not be a concern if you do not5 have an immediate need for credit (like getting a mortgage or a car loan).

I would let them sue if they think they have that strong of a case. I helped a client in NC with a similar issue - the rental company claimed hail damage when there was no evidence of a hail storm in the area. The client did a lot of work to prove there was no hail storms reported and I was able to get the rental company to back down.

Of course, I do not know all the details in your case. Why are they claiming damage 11 months after? This sounds odd. You need to get a lawyer involved to see if this cannot be resolved now before this becomes a more expensive problem later.

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Answered on 12/03/15, 12:45 pm


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