Was not notified of a debt owed before placed into collections. They did not send back up documentation of debt owed. Excessive monthly charges, extortion to intimidate if do not settle credit will continue to be damaged and I will not be able to buy a home. If I do pay in full, it will still remain on credit report and lender will not let me buy a home. That it is better to wait the 7 years. They harass me, are rude, degrading in telling me I should of read the lease. That I can call a lawyer but there is still nothing I can do. This is detrimental to me and my family. 
