I had to break my lease in NJ in 2010 when I lost my job. The apartment did not find anyone for the remaining period of my lease(6 months). The case is with a debt collect. agency.
We both agreed upon a settlment amount. I wanted them to give me in writing that the credit agency will be reported as "paid in full". They told me so over the phone but are not willing to write it down. Now I am being told that the offer was generous and they cannot make any further accomodations. If I wish to pay, I can, or else leave it.
What option do I have? Do I have any rights? Should I even be scared?