So SWIM gets a call today from a debt collector, they owe ~$1600 for breaking their lease and not notifying and paying their landlord. The landlord has every legal right per the lease so no wiggling out that way, aside from that the deposit should be able to be put toward that debt right? The reason SWIM moved out of nowhere is because they tried to kill themselves and needed to move back with family immediately. This person has moved around a couple times since then and now has a job and a kind of place to live. SWIM isn't on the lease and the landlord doesn't know that person is there, but they pay rent and utilities on time. This individual with their monthly payments as is cannot honestly afford to pay back this debt. This person also faces a $4000+ hospital bill from the suicide attempt. So now come the questions: what should SWIM give for their current address since they aren't living at this house legally? How does this person mention rent and utilities in their expenses since they're not legally living there? Can this debt be negotiated at all or put off for a while? SWIM doesn't care about their credit score getting hurt, they just want out of this
Also any advice on dealing with debt collectors would be appreciated
Pic unrelated
Thank you