Me and my ex roommate moved out of our apartment. Almost a year later I got a notice from a creditor saying I owe money for damages. Contacted ex roommate and lease stated they were supposed to notify us in 30days of move out what security despoit was use for and/or damages. My ex roommate no longer knows where copy of lease is and the creditor still sends me bills. It's on my credit. So I just give in and go on a payment plan or something?