My question involves collection proceedings in the State of: North Carolina
My old apartment complex said I owed $1100+ due to carpet damage (which I don't think I owed) roughly 6-8 months after move out. They did this via a collection agency called Pinnacle Corporate Services. I negotiated the settlement down to $519.00- to which they said there will be no credit burearu notification. Today, I wake up with an e-mail from Experian that my credit had changed- I paid a settlement of $400, waiting to hear that they got it. I wasn't comfortable paying on their website and wanted to just make sure- anyways- can they do this? How do I get it removed? Should the fact that I made a payment forced them to contact me? Should I place a stop payment on the initial $400 because they went about it anyway? They;ve also called people and yelled at my parents- etc. The issue is not in that I can't pay it- I can- I just dont think its right that they did this in the first place that late after- it felt like a blatent attempt to take advantage of their resident.
Scared and confused