<prompt> Human: First off - discovered this sub somewhat recently and am trying to get my finances sorted out correctly. Not sure the course of action on this one, so here I am.I moved out of my apartment Jan of last year and they followed up with a notice at my new address of some payment still owed pro-rated watertrash misc for the last month, but saw some charges on there I didnt recognize so did not send any payment. Total 97. Probably a dumb move, but here I am.For the new year I ran the credit report from Equifax and found my account is in collections, yet I had never been contacted by this firm. I rang them directly and found that they tried to send me some mail but it was returned as undeliverable, even though I have been receiving mail at this address since I moved in. Confirmed the address with them was correct.The wiki here says to use certified mail only, but if they cant send mail to me Im not sure if this is the right path. They also stated that it is their policy to not offer a removal from CR, or a pay for delete option.I am planning on applying for my first house in the next 6 months, thats my only real concern right now.Should I drag on negotiations with them myself using the canned letters from the wiki, get professional help, or just pay it via certified check?  <response>: My suggestions are 1 send a certified letter to the landlord disputing the unpaid charges while providing why you dispute them. You need to be reasonable as to why. 2 notify the collection company that you are disputing the charges and they are to stop all collection activities and correct any credit reporting they have done. Then get the support and pay the bill. 