Since my thread asking for advice exploded into a conversation about whether or not it is legal to give advice about legal matters, I figured I'd repost my craziness here and update.
My lovely girlfriend accidentally blew up the kitchen while sauteeing chicken in hot oil. By blew up, I mean she accidentally set the stove and wall on fire. It was pretty crazy, we had three fire trucks and an ambulance there. Shortly after the fire, we discovered that we didn't have renters insurance (which we were told by our other roommate that it was taken care of) and things exploded from there.
Needless to say, our landlord was pissed with a capital 'P'. She had given this townhome to her son as a gift in order to help start out his investment portfolio, and she went into mother hen mode. She called her insurance company and started talking to contractors to fix the damage. We didn't hear anything about it for a couple of weeks until on Thanksgiving, when she gave us a final bill of $1,613. Considering what had happened, it was a fair price, though we asked her how it breaks down anyway because we didn't know what the insurance was paying for, etc. She refused, and some craziness ensued (including a post asking for advice on here when I couldn't find a lawyer to talk to immediately about how to respond to her email), but finally her husband stepped in and told us the specifics of what we were paying for (deductible, some cleaning not covered by the insurance, and some money for depreciation of the property value. Nothing I would argue with).
Anyway, we've been struggling financially already, and don't even have enough money to pay next months rent (before all this happened). We've been looking for loans, but we warned her that the loans may not come through by the deadline she's given us to pay up (December 4th). She has since responded by telling us that if we don't pay by that time, she's going to refuse the insurance money and go after us for the entirety of the damages ($9.5k), and that she would be taking everyone who is on the lease to court, including one roommate who wasn't there when the fire happened, and another that moved out a couple weeks before the fire, but just happens to still be on the lease.
Meanwhile, back at the ranch, I've been having panic attacks so bad that I've been missing classes left and right and am failing everything. I've been sent home from work because I was having panic attacks three times. Fortunately, my parents are still willing to pay for my medical bills at least, so I'll be getting drugs for that pretty soon. But I can hardly believe all this craziness.
(Also: I'm going tomorrow to talk to the UNT Legal Department and will be making an appointment with a lawyer from a non-profit organization that provides legal help to poor people [which we discovered earlier today has an office serendipitously located across the street from us])