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Anyone know how to report a non-payment tenant? Archived From: Finance

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What are you talking about?
Rent is due at the beginning of the month.
Plain and simple.


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Trinimd1 said:What are you talking about?
Rent is due at the beginning of the month.
Plain and simple.

tell it to the judge


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Sell the debt to a collection agency.


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Ecuadorgr said:Trinimd1 said:So how do I go after this guy and get my money?

Small claims court?

PS. Wasn't there a security deposit which you kept?

I betcha he didn't run a credit check either!


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Credit check ran fine.
Tried to work with the tenant and gave him 4 months to pay security deposit.


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if you send his bill to a collection agency they can report negatively on his credit.


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Trinimd1 said:Credit check ran fine.
Tried to work with the tenant and gave him 4 months to pay security deposit.

Was he the only tenant in the entire town?
You let him move in rent free for 4 months? When are you re-listing?


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Trinimd1 said:Credit check ran fine.
Tried to work with the tenant and gave him 4 months to pay security deposit.

You mean you did not get the security deposit in advance, along with the first rent? You don't really get the "security deposit" concept, do you?
Anyway, I still think small claims court is for you (I assume you are owed under $5k?).


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Trinimd1 said:Tried to work with the tenant and gave him 4 months to pay security deposit.Great idea Einstein. How'd that work out? P.S. I'll be happy to rent the unit from you now that it's vacant, provided you can "work with" me as well


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there are many debt collection services that will report to the bureaus. No need to get a judgment first.

Sometimes you can just purchase the collection letters/negative credit reporting for about $20.

Try mrlandlord.com or other landlording forums.

acollectionagency.com is another place that will report for you very cheaply.

lets get those deadbeat tenants!!!!!!!!!!!!!!!!!!!!!!!!11


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Germanpope, do you harass doctors, dentists, hospitals, and utility companies about not reporting "positive" information to credit bureaus?


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SlimTim said:Germanpope, do you harass doctors, dentists, hospitals, and utility companies about not reporting "positive" information to credit bureaus?

seems a bit odd that when people are asked to use their brain to consider what their actions really mean, they consider it harassment

now maybe it never occurred to you that a scheme that is set up to tarnish a person's reputation should work both ways

it's only a discussion on fairness
if you are going to use one of these national schemes to tarnish people's name, maybe you should also be required to report the good stuff too

if you are a utility and you report someone for being late on their bill, are't you putting them in a false light if you fail to report that they were on time for the previous 300 payments?

Utility drops plan for credit reporting --- good and bad info was going to be reported

if you consider a discussion about fairness to consumers to be harassment, that's your choice

_________________________________


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Your tenant was a true FWF


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germanpope said:Trinimd1 said: ... Why the attacks on a simple landlord trying to get his money?

Does it hit home for you?


... it is not attacks .... you just haven't proved your case as to why you should be helped here

It's obvious you have some gripe against a landlord getting their money. Perhaps you should walk away if you don't have any input to give other than trying troll him?


Anyways, in my experience the amount of time and money it takes to bring a bad tentant to court usually isn't worth it. Very rarely to landlords receive money in their favor.


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germanpope said:
if you are a utility and you report someone for being late on their bill, are't you putting them in a false light if you fail to report that they were on time for the previous 300 payments?

I think most people with a brain can safely assume that if there isn't a derogatory mark on your report from a utility or other agency who doesn't really grant credit, that you have been paying your bills. I know when I go to get new service, and they ask to do a soft pull, sure, they don't see from my previous provider that I payed my bill on time for 12 months, but they also don't see a negative rating. Therefore, I don't have to put down a deposit. It's not as if I would have had to pay less for service if the previous provider said I was a superb customer and gave me a gold star.


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Basically, you're unlikely to get your money back. If you're in a vindictive (or civic) frame of mind, you can go to small claims court and get a default judgment against the deadbeat (I'm assuming you have a lease with his signature on it, and a copy of his personal license, plus some proof that he actually lived there -- e.g. a rent check)? Then, sell the judgment to a collection agency for pennies on the dollar.

That will get him reported to the credit bureaus and warn off future landlords. You, however, will still be out the money. You will also be out the time and money it takes to file a claim in small claims court.

If you really want to try to get the money back, and assuming you know where he banks, you can try to serve a lien/garnishment on his bank account AFTER you get a judgment from the court. This too requires time, money, and probably a lawyer. In other words, it's a huge hassle, and not worth it unless you are out a lot of money.

I don't know if you can report him to the major credit bureaus, but you might be able to report him to PRBC, an alternative credit bureau that reports on rent payments, etc. However, since most creditors don't check with this bureau, it's more to make yourself feel better.
Here's the link: http://prbc.com/partners/dataprov.php


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Trinimd1 said:I have a tenant that broke his lease and took off. Never paid me my rent.
Does anyone know who I should contact (other than a lawyer) to report him to credit bureau?

thanks

Sent you a PM.


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Trinimd1 said:I have a tenant that broke his lease and took off. Never paid me my rent.
Does anyone know who I should contact (other than a lawyer) to report him to credit bureau?

thanks

I've had a couple rental properties for 20+ years and ran into my first major problem with a tenant like this a couple years ago.

Per what others have already said, from my experience you need a court judgment in your favor before most collection agencies will take this on or before it can be reported it to a credit bureau. For a small landlord, it appears you can only report to credit bureaus through a collection agency or a group organization you've joined (a landlord association, etc.). I can't speak for the quality of mrlandlord.com, recommended by another FWer, but it looks like this is among the services they offer.

I went through the entire small claims process and it was an excruciating experience. Unfortunately, the property is far from where I live, so this made it more difficult and expensive for me.

The former tenants threw every delay they could and fabricated a lot of lies about the condition of the property and about me. Be prepared to be attacked in court and for the former tenant to grossly exaggerate any potential complaint he/she has against you.

I ultimately won a judgment for back rent and collected it, but I was not awarded anything for late payment fees or my expenses. The entire process cost me hundreds of hours of my time, so it was most definitely not cost-effective. I felt I had to do it as a matter of principle. I would be very hesitant to do so again.

I hope that a letter to your tenant warning to sue and report him/her to the credit bureaus will be enough in your case to encourage him/her to work something out with you. Hopefully you can come up with a forwarding address.

Keep in mind that if the former tenant has nothing to lose, there's also probably nothing for you to collect.

Good luck.


p.s. A good book I've found is The Landlord's Troubleshooter by Robert Irwin. It gives a lot of tips for preventing problems from happening and tells you what to do if they should happen anyway. Also, NOLO Press has a good book about how to prepare for small claims court. Check out NOLO's web site -- there's a lot of useful information for lay people about navigating the legal system.


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Hey germanpope, I just report you to the Behavior Bureaus for outstanding obnoxious behaviors in this forum.


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ziffy said:Hey germanpope, I just report you to the Behavior Bureaus for outstanding obnoxious behaviors in this forum.

your very welcome


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