You may see if you have one in your area that you could trade your property into something nicer. 

We have trades we use on jobs and know what they will charge which is often considerably less than what Joe Homeowner would pay for the same job . . . the trades know we will be using them again and again. 

She is definitely not trying to knowingly cause damages to the apt, she just wants to save some money but doesnt understand the consequences of not having heat in the apt.

Meanwhile, consumers often fail to consider the long-term consequences, such as skyrocketing living costs. 

I'd say everything else is the consequence of the 2 points above - the weather and the state of economic affairs influences everything else, including safety, infrastructure, the condition of housing stock, etc.

"I'm willing to cancel the eviction so it doesn't reflect on your record if you vacate on x day and pay x toward your outstanding balance"Most tenants are unaware of the long-term consequences when they have an eviction on their record.

I want a specialist that's an expert, and not a jack of all trades and master of none.

And remember, the Federal Trade Commission warns against pay up front loans:  https://www.consumer.ftc.gov/a...Lendbase is able to skirt around this by claiming that they are just a "broker" and not the actual lender.  

It’s worth considering the trade-offs between the stability of income and the increased oversight and hoops you'll have to jump through.

Switching the utilities into their name without safeguards in place—knowing the tenant might act out—seems like a misstep on their part.While it’s true you’ll ultimately have to cover the cost, it doesn’t feel entirely fair for you to shoulder the consequence of their decision.