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· Less is more.
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How much was the deposit and how much was the last months rent you owe? If you owe more than the deposit, which I assume you do, contact the landlord in writing and tell him he can keep the deposit [since he is already holding it for no good reason] and you will pay off the balance when you can. If he isn't happy with that tell him to sue you, he won't. Phone or write to the debt collection agency and tell them in no uncertain terms that you are not prepared to deal with them in any way and you intend to deal with the landlord directly, they have no real legal hold over you anyway. Usually these agencies send threatening letters to people and your average person shits their pants thinking everything is gonna get taken from them and they pay up. **** that, trust me you have more rights in this than you think.

Oh yeah, and keep copies of any letters you send.
 
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