Hello! I live in Upstate NY.
When leaving my apt last year, I used my security deposit as my last months rent. I received a notice from the landlord stating I owe $550 in "cleaning and painting fees" which I know are prefabricated. The amount was sent to a collection agency, I sent a letter disputing the debt. Can the collection agency put a mark on my credit report without a judgement against me?
Cheers!