I checked my credit report and I seen this account in collection for {$3200.00} for an old apartment My Ex boyfriend and I had together. When I turned in the keys to the apartment my ex boyfriend made payment arrangements with the office and the total owed was only {$2200.00}. I thought this was taken care of by my ex. I attempted to email the debt collector requesting verification my email was returned and it said it was undelivered and it was the correct email I got off from there website. However I was never contacted by this debt collector I was never given an opportunity to dispute or get verification of debit. I just want to avoid legal action because right on there website it says they will sue anybody if they do n't pay. As a consumer I know I have rights and I feel this debt collector is not following the law.