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A collector is demanding a debt I don't recognize. Can I make them prove it?

Yes. Within 30 days of the collector's first written notice, you can request written validation. Until they provide it, the collector must pause collection.

15 U.S.C. §1692g+ FDCPA

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From

Jane Smith

Property Management Co.

Return of security deposit

SECURITY DEPOSIT DEMAND

Dear Property Manager,

Under my lease, I request the return of my security deposit, or an itemized list of deductions, within the time required by law…

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Summary

Overview

12-month residential lease; monthly rent with a two-month security deposit and an annual rent increase clause.

What to watch for

Early-termination fee equal to three months' rent.
No stated deadline for returning the security deposit.

Compare two versions

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Version 1

Rent increases by a fixed 10% each year.

Version 2

Rent increases with the local price index each year.

AI note: Version 2 ties increases to a public index, which is more predictable and less likely to be disputed than a fixed percentage.

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