Hudson Homes sent me to collections for money I don’t owe — what now?
The short answer
You have the right to demand that a debt collector prove a debt before you pay a cent. Federal law (the FDCPA) lets you dispute the debt in writing and force verification — and if you dispute within 30 days of first contact, the collector must stop collection until it validates the amount. Do not pay a disputed balance just to make it stop.
Make them prove it — in writing
Under the federal Fair Debt Collection Practices Act, when a collector first contacts you they must tell you the amount, the creditor, and your right to dispute. If you send a written dispute within 30 days, the collector must stop and provide validation — documentation that the debt is real and yours — before collecting further. Send it in writing (keep a copy and proof of mailing); a phone call does not create the same record. This is the single most important step, and most people never take it.
Why these balances are worth disputing
The documented Hudson Homes complaints include collection demands that tenants say are for repairs never made, holdover fees that ballooned after a move-out, and balances on homes that were foreclosed. One tenant described a roughly $20,000 collections call after nearly three years of faithful tenancy, for repairs they say were never performed. Whether a specific balance is valid is fact-specific — but a five-figure “account balance” that appears after you’ve moved out is exactly the kind of debt you should force a collector to validate.
Protect your credit and your rights
Disputing also matters because unpaid collections and prior landlord balances can block your next rental — Hudson Homes’ own screening criteria deny applicants with open landlord collections. If a collector reports a disputed debt to the credit bureaus, you can dispute it there too. Keep every letter, note every call, and if the collector keeps pushing a debt it can’t validate, that may itself violate the FDCPA — documentation this archive treats as evidence. Free legal aid can help you send a proper validation demand.
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All information on this site is sourced from public court records, government filings, BBB complaints, and public social media. Nothing on this site constitutes legal advice. Source links are provided for every claim.