qqp question1: How do I write a letter to my landlord to tell them I demand to only pay partial rent, because I am having to pay an exterminator? question2: I am in a huge debt (48k) due to my credit card and I earn 20k per month. I cannot sleep because I am all tensed on how to clear the due amount. I have to pay my rent and food too. I have no savings after working for a year. How should I go about my issue?