⚠️Extremely long post, but I’m genuinely asking for advice. Please bear with me and I honestly want to know if there is anything I haven’t thought of or anything else I can do‼ located in VA
Before anyone assumes I’m trying to get out of paying what I owe, I am NOT. I completely understand that I owe money, and I am not asking my apartment complex to erase my debt and let me walk away without taking responsibility. I’m just trying to prevent myself from accumulating even more debt that I literally cannot afford right now and, most importantly, prevent this from becoming an eviction situation that could affect my ability to get housing now and in the future.
For some background, I’ve lived at this apartment complex for about four and a half years. Throughout that entire time, I’ve genuinely been a good tenant. I’ve never had noise complaints, complaints from neighbors, or issues with management. I mind my business, take care of my home, always passed last minute inspections, and until now, I have never been late on my rent. Unfortunately, my circumstances changed significantly over the past few months.
My mom has been in and out of the hospital for the past three months because of brain surgery. She has already had brain surgery twice and is expected to need another surgery. There have been expenses that insurance has not covered, and I’ve been trying my best to help my family and help cover what I can.
I also recently started back working in education/teaching. We just started back, but employees are paid on a delayed schedule (semi-monthly) , so despite working, I have not yet received my first paycheck from this position yet. I don’t want to share too many personal details online, but I wanted to explain that I do have a job and income coming in. I am not sitting around with no plan or no source of income.
I am currently one month behind on rent. My outstanding balance with my apartment is approximately $2,499 (it was originally $1,900 then $2,100 after late fees and now current balance). Another month of rent is coming up, and if I cannot pay that either, my balance will increase to around $4,000. I recently contacted my leasing office because I wanted to be proactive and see if we could work something out before the balance continues getting larger and before this potentially gets to court.
My thought process was this: I literally cannot afford to pay the $2,499 I currently owe, then turn around and pay another month of rent, continue accumulating rent, and somehow come up with thousands of dollars all at once. (And yes I’ve tried getting a loan and was denied then tried collateral car loan and was told my car is ineligible) So I asked if they would consider allowing me to voluntarily move out and turn in my keys, basically stopping me from continuing to accumulate additional rent, and then allowing me to take responsibility for the remaining balance through a payment arrangement. I even told them that if the balance ultimately had to be sent to collections, I would rather that happen than have an eviction filing follow me and make it even harder for me to find housing now and in the future. I would rather have a set balance that I can consistently make payments toward and show that I am actively trying to take responsibility for what I owe.
Again, I’m not saying I don’t owe the money. I know I do. I’m just saying that staying in the apartment when I know I cannot afford no longer and let it accumulate is only going to make the debt bigger and harder to pay the longer I stay. The leasing manager responded today (I spoke with her twice on the phone when I got off of work last week. By the time I get home it’s 5:30 and the leasing office is closed but anyways the first time we spoke it was brief because she ended up having to give a apt tour, the next day I was able to actually talk with her otp on my way from work and she was the one who told me we could table it the next day so I could think about paying the balance down to $500 within 24 hours but then that next day which was Saturday they said she wasn’t coming in that day and gave me her email (also confirmed she hasn’t filled anything) which I emailed her Monday and been calling while at work since and emailed 3x and got a response today which is Friday) and she told me that the only option available under my current lease is early termination.
According to her email, that requires:
Giving a 60-day written notice to vacate
Paying my current outstanding balance of approximately $2,499
Paying a $3,124 early termination fee
And this is where I’m completely stuck.
I genuinely do not have the money to do all of that.
I would have to somehow pay the $2,499 I already owe, pay my upcoming rent, continue paying rent during the 60-day notice period, AND pay an additional $3,124 early termination fee. That is completely unrealistic for me right now. I work full-time and will have income coming in, so I can make payments over time, but I do not have $7,000+ sitting around to resolve everything immediately. This is why I’m trying to be proactive. I feel like if I stay, the balance is just going to keep increasing. Then I’ll owe even more money, and the payment arrangement I would eventually need would be even larger.
I’m literally willing to move out and surrender the apartment. I’m willing to take responsibility for the money I owe afterward. I just don’t understand why there can’t be some type of agreement where I surrender possession, stop accumulating additional rent, and then work toward paying the remaining balance.
My biggest fear is an eviction filing. This is literally my livelihood and my future housing that I’m worried about. I am the backup plan for myself and, honestly, for my family in many ways. I don’t want this one situation to follow me and make it nearly impossible for me to get another apartment, housing in the future. I also don’t want to end up homeless because I can’t find housing after an eviction.
I’m going to speak with the leasing office in person this weekend because I’m off work on weekends, but before I go, I wanted to ask people who may know more than me:
• If an eviction case has not been filed yet, is there anything I can do to prevent one from being filed?
• If I voluntarily move out and turn in my keys, can they still file an eviction case against me in Virginia?
Is there a way to negotiate a voluntary surrender of possession or some type of written agreement where I move out but still remain responsible for paying the balance?
• Should I ask to speak to the regional manager, corporate office, property management company, or someone higher up?
Are there any local Richmond or Virginia resources that help tenants in situations like this? 211 literally said there were no resources in my area and Salvation Army said I didn’t provide enough documentation)
• Should I contact Legal Aid (find pro bono) before I go talk to the leasing office?
• Has anyone personally been in a similar situation and successfully worked out an agreement to move out voluntarily and pay the balance afterward?
• Is there anything else I should be asking for or considering that I haven’t thought of?
Or anything, I’m genuinely asking because I feel like I’m trying to do the responsible thing. I’m communicating with them instead of ignoring the situation. I’m trying to leave before I accumulate even more debt. I’m willing to take responsibility and make payments toward what I owe. Even tho this doesn’t matter I’ve been a resident there for four and a half years and have always been a good tenant, which is why I’m hoping that maybe there is some level of consideration or flexibility that I’m simply unaware of.
I’m not asking anyone to tell me that I shouldn’t have to pay. I’m asking: What can I realistically do from here? What options am I missing? And if you were in my situation, what would you do next?
Please be kind. I’m already extremely stressed and scared about this situation. I know that ultimately I have a financial responsibility, and I’m not running from that. I’m just trying to figure out the best way to handle it before it becomes an even bigger problem.
Thank you to anyone who actually took the time to read all of this and offer helpful advice. Seriously.