Broken lease debt owed

by Patricia
(Mesa, AZ)

Hello I have 2 broken leases at collection agencies.

I was very ill with my mental illness and was hospitalized and in a Partial Hospitalization Plan at the hospital once discharged for about a year. I am considered Seriously Mentally Ill by state AZ Mental Illness Insurance Plan. I was not in my right mind but understand I am responsible for them.

I am on Social Security Disability this is my only income. I need help. Most of the money was rent concessions not rent just rent discounts they gave me like free rent, etc.

I need help what can I do. It is quite a bit of money 1 apartment is 2600 and 2 apartment is 3000.
So around 5500 to 5700 dollars total.

Thank You
I do not believe there are any judgements non appear on my credit reports just collections. I just checked all of them.

This occurred in 2009 and 2010 within 6 months of one another.

I need to fix this so if I do move, I have been in the same place since 2010 April. Then it shows I am paying this and not irresponsible.

Reply from

Patricia - Sorry to hear what you've been through.

The collection accounts are fairly recent and by law can be reported for seven years and 180 days from the date you first fell behind. We aren't aware of any way to get them off your credit reports other than to try to settle them and get the collection agencies to remove them if you pay the settlement amount. But they aren't required to do that, and quite frankly, it can be very hard to get them to agree to do that.

Given your limited income (which may be off limits to creditors) there may not be a whole lot they can do to collect from you. That certainly doesn't help you with regards to your credit reports, but it may help you negotiate lower settlements on the debts.

Read: Judgment Proof - What Does That Mean?

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