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Ok, Well here is what you do first you need to obtain all 3 credit files. 2nd you review them to verify the information is Correct. 3rd you contact the collection agency/ and the apartment complex corporate headquarters and let them know you are considering chapter 7 bankruptcy, do not tell them you are working, do not give your credit card or checking/or saving account number to them. let them know you will settle for 50% of the balance and it will take you 30 days to come up with the money. DONOT BACK DOWN. THEY GET NADA IF YOU FILE CHAPTER 7, they want as much cash as they can get upfront as quickly as possible. let them know you feel bad about what happened with the eviction and your sorry but you are willing to pay 50% of what you owe if they donot accept that advise them you will file chapter 7 pro se with no attorney be/c you cant afford one. let them know you want the eviction removed from public records and from all 3 credit files, and the collection account deleted from whatever credit bureau the reported to. you will be better off having a private atty do this. JUDE KAGABINESLEXINGTON SC

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