<prompt> Human: At the end of May I moved out of a room I was renting in an apartment building. I tried to do the move through the parking garage of the apartment building with a rental truck. The rental truck did not fit, but I didnt realize this until it was too late -- I damaged HVAC equipment in the garage. The apartment building association decided to repair the equipment, sending a bill for just over 10k. Rental car did not have liability insurance.Obviously Im in shock. I dont know what to do. Ive spent the last year saving up money for some much-needed and long-delayed dental work, but this would kill everything Ive saved. I have around 12k in my bank account now. Im in my mid 20s making around 50k, have around 40k left for student loans. I dont really have anyoneanything to fall back on; Im single and I severed ties with my family after high school due to neglect, so I cant move back home to save money.What is the best way I can handle this huge bill?  <response>: I think negotiating a payment plan might be your best option.What were the damages to the equipment, what were the repairs, and do you know how old the equipment was? Im not a lawyer but I think in cases of property damage your liability is the difference between the fair market value of the property before the accident and after. So if you damaged a 10 year old air handler and they replaced it with a new one that cost 10k you are responsible for the value of a 10 year old air handler, not the 10k they paid for a new one. On the other hand if you hit something with a current market value of more than 10k, then youd be responsible for all of the repairs.It is possible that what you damaged was worth less than the cost to fix it. Something to consider at least. If you had renters insurance call them too. They probably exclude operation of a vehicle but you never know. Sorry to hear about your situation. I hope you can work out a deal and get it paid off soon. 