No. of Recommendations: 0
Is this just a scare tactic?

Yes. Collection agencies will pretty much say whatever they can to guilt/scare you into paying, whether you really owe the money or not. Remember, they stand to lose a profit if you don't pay them. Stand your ground and send a letter requesting more adequate proof that you are liable, and remind them that they must provide you that proof by law. I would also try dealing with the apartment complex directly. Whenever I want to pay a collection debt, I almost always go around the collection agency and directly to the creditor.

Good luck,
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