Q: My boyfriend and I had a great studio apartment for one year. It was our first place and we loved buying all of the little household items that make a house a home. I had a great job and, even though I was the only one working, my credit was good. Then just a few months after we moved in, I was fired from my job and my boyfriend was still looking for work. I was unemployed for four months, but we still managed to pay rent, just not on time. I finally got a low-income job and we struggled the rest of the year to pay rent. We paid partial rent throughout the month when we had some cash but not once did we pay the mounting late fees. Our landlord was sympathetic and ultimately waived the late fees, but said we couldn't renew our lease because of late payments. We currently liv...