Eviction

I rented an apartment in New Jersey for $1,454 per month and always paid my rent on time, despite facing financial difficulties for three months. My wife, who wasn’t earning much, covered the utilities while I handled the rent.

One month, I was $100 short and contacted the management office, where they assured me it was fine and to pay the balance the following month. In August, I was short $200. On September 20th, they emailed me about a court date scheduled for 8 a.m. the next day. Unfortunately, I didn’t see the email until the afternoon of September 21st.

When I called the management office, they informed me that since I missed the court date, they had added lawyer fees, court fees, and late payment fees, totaling $5,000. I told them I only owed $300, but they insisted I had to pay the full amount to remain in the apartment or move out within six days.

I went to court, and the judge required me to arrange a payment plan to stay. I agreed and paid $1,600 in September. Since my lease was ending in October, I informed management that I wouldn’t be renewing and requested a month-to-month arrangement while I searched for a new place. They agreed and noted it in their system.

A few days later, I received a notice on my door stating my rent was increasing to $2,100. When I asked why, they explained that my $1,454 rent was a promotional rate and the actual rent was $2,000. They offered a discounted rate of $1,900 if I signed a new lease, but I declined, explaining I wasn’t staying. They insisted I pay $2,100 for October.

By October 21st, I had paid $1,500 but was short $600. Management added this to my previous balance and again included court and lawyer fees, bringing the total to $7,000. The judge ordered me to vacate within seven days or face lockout. I packed my belongings, put them in storage, and moved to NYC.

Now, I’m concerned about how this will impact my credit. I’m willing to settle the debt, but I don’t believe I owe the full $7,000. Friends suggested letting it go to collections, then negotiating a lower amount. However, I want to ensure this doesn’t damage my credit long-term.

What’s the best way to resolve this? I’d appreciate any guidance. Thank you.