this is a message about what ive experienced with this site. i have had a debt caused by a cosign on a lease agreement on an apartment with my 2 sons. they signed, and i cosigned a lease agreement for 1 year with an apartment complex and after 9 months, they couldnt make the rent anymore. heres the short of it, i have endevored so long to make sure my credit report is spotless. when this account went to collections, i was worried. first, the origional "eviction" filing was for 729$, the penalty for a broken lease. when the ca contacted me, it was for 1070.21$. i disputed the amount and the ca didnt respond for 5 months. when they first responded, they talked to a third party to discuss the debt. i still tried to work things out with them, then they posted a collection on my credit report. this infurated me. i sent them a demand letter and when they didnt respond, filed a suite in small claims in oklahoma. keep in mind, in oklahoma, collection agencys are forbidden from filing claims in small claims court. this went to court today and this is how it played out. the case went to mediation before court (mandated). in the mediation, the lease agreement became front and center. ill put it this way, courts in oklahoma dont want things go to court, they prefer things to work out in mediation. with that being said, the mediator made it clear to me that, although i may win my 1000$, the lease had 3 months left and the judge would rule that, i would be responsible for the remainder of the lease. i may win my 1000$, but that would be offset by far with the lease judgement. when i brought up about ca not being able to filing claims in small claims court, it was reminded me that i brought the claim, they didnt. in short, i ended up paying in full, and felt glad to get that, considering if it went to court, i would have won, but i would have had to pay the rest of the lease, which would have more than offset any claim i had. in short, i would have been better to just forget the debt that to try to chalange it. forget the debt, i owe nothing. chalange it, now i owe 1070$.