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Rising Star
I think if you go to collections your credit score will be affected? How much is it? How fast can you pay it off?
I would say go to the apartment complex and start negotiating with them. If it doesn’t work you should be able to negotiate with collection company for like 20 or 30 cents on the dollar. When talking to collections don’t be afraid to hang up the phone if they don’t give you a good deal. Just never give them access to your bank account and if you agree get something in writing from them on the amount. Never been in debt myself but I’ve heard many stories and Dave Ramsey gives good advice on it
Depends on how much the fee is and how much money you have. I’d personally tell them you can’t afford it and will either have to let it go to collections or pay them 50% now. Collections will usually recover less than that and most places don’t want to fool with it