No, Obligo does not require any proof of damage in order to process the charge and initiate your payment. However, Obligo does conduct ongoing charge monitoring and maintains a charge threshold to protect against fraud or abuse. A property management company that exceeds the charge threshold may be suspended from inviting new renters to Obligo. Valid charges under existing deposit-free coverage commitments will still be honored.

Just as with a normal deposit, residents retain their legal right to dispute a charge and they may do so in accordance with local laws and practices. As a policy, Obligo does not take sides in disputes and plays no role in assessing the accuracy or fairness of individual charges outside of exceptional cases involving fraud or abuse.

We do highly encourage the submission of any documentation, invoices, and/or photos and videos you have related to the charge via Obligo so the reason for the charge is clear and understandable to the resident, which reduces the likelihood of a dispute.

While Obligo always initiates ACH payment to the property manager right away, residents who intend to dispute charges may ask for their repayment to Obligo to be deferred. Obligo’s intention is to provide sufficient time for residents to either discuss the charge with their property manager or to formally dispute the charge. Above all, Obligo encourages the property manager and resident to communicate before any charge is made.