<prompt> Human: This is in Texas. The housing company is calling me to pay back the rest of the lease. They are saying that If I do not start making payments by the end of this week, they will forward this to a third party collection agency, to where they could file suit, and possibly garnish my wages. I was wondering if there is anything I should know about or should do before I start making payments? Thank you!Edit: sorry for the late response, Im pretty new to posting on Reddit. For more by info, I did notify them, and I tried to resign someone else, however they said I couldnt resign until I had cleared my previous balance I wasnt able to. They did resign someone, however not at the end of my lease, so it shaved off only like 15 of it.  <response>: you broke a contract. the housing company has a legal and moral right to enforce the contract. if the housing company broke the contract, youd expect them to hold up their end of the deal. they might be willing to settle for less than you owe if youve got some spare cash. but they dont have to settle, because you broke the contract. make an offer in writing for settlement in full, without recourse meaning they cant collect or sue you again, see what they say. worst theyll say is no. best theyll accept it, or maybe make a counter offer. if they accept it, dont give them access to your accounts. either send certified funds money ordercashiers check with proof of delivery, or perhaps get a prepaid debit card with the amount of the settlement. 