1-Received HR email after Zoom termination meeting. 2-Received email unemployment was running out. 3-Forced to break apartment lease early, told them it was because of Covid, they still charged the next month plus fees as a debt to my credit report. 4-Over 42k in student loans goes into collections. 5-23k in personal debt goes into collections. 6-Emergency visit to doctor with no health insurance goes to collection agency. 7-Credit score drops to low 500s. 8-Can't get a job if it requires a credit check. Can't get an apartment or house if it requires a credit check.