I wish everybody in the world could hear me...
I think I know where all the financial troubles come from.
Never spend more money than you have! Absolutely never rent furnitures. Worst case you sleep on the floor. Never borrow money to buy anything, exception probably a house. Don't borrow money to buy a car.
Buy yourself a "junker" if you have no money... fix it yourself. Eventually you have saved enough money to buy yourself anything you want and pay cash. Only spend money on things you need, never waste money on things which are considered luxury.
I was born very poor, 6 children and my parents never owned a car. But my mother told me a few good things.
NEVER BORROW ANY MONEY !!!
Today I live in reasonable luxury and do not have a penny of dept.
My advice, give the furniture back... And if your son is over 18 I think you are not responsible at all unless you co-signed the contract.
Poverty is a horrible thing (I know all about it), but there is a solution to it:
BE HAPPY WITH LESS