<prompt> Human: During my 20 most recent year of college, I lived in an apartment and had a 12 month lease. My guarantor, my father, paid my rent each month except for, apparently, the last 2 months which were after I moved out for the summer. Which he claims he paid.These debt collectors are calling me constantly. They say the apartment complex gave my case to them, and I owe 1,600. I am a student with no income. I tell them I had a guarantor, they said they have no record of that, and they dont care anyways, its on me. They ask me how I want to pay it, when I can pay it, I tell them I cant, my guarantor will pay this month. They continue to reiterate it is entirely my responsibility, and my credit is at stake. I dont know what to do.My last resort will obviously be to sit down with my dad and witness him making the payment. I would prefer to go around him if possible, because I know he can pay it, and I just dont want my credit to go under. I have, to my knowledge, nothing affecting my credit until this, so Im assuming it would hurt quite a bit.All help greatly appreciated. Thank you.  <response>: Having a guarantor does not take liability away from you. You signed the lease and are obligated to pay the rent. Your dad, as a guarantor, is another source that the landlord could pursue, because he is also liable for the rent, but they do not have to pursue you or your dad in court. They have the option, which they apparently took, to sell the debt to collections. Collections is rightfully coming after you because it is your debt. If your dad claims he paid the months alleged to be owed, then he should have proof of that payment that you can show to the collections agency when you ask them for validation that this debt is actually yours. 