Real Estate Law
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You do not have any obligation to pay, because the landlord is in breach here. The landlord is required to provide a dwelling that is habitable. The legal term is that you have a right to quiet enjoyment of your place, which means a reasonably clean and safe place to live.
Here, the apartment was not safe for living, becuase of the presence of the black mold, especially with the children involved. I would suggest you tell the landlord that you have conferred with a real estate lawyer (me) and that you have a case against the landlord because of the mold.
If the landlord doesn't remove the charges, you will file a lawsuit and win big damages against the landlord. Tell the landlord they had better notify the collection agency that your account should be considered "paid in full" and they should remove from the credit report, or else you will sue.
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Now, please rate 4 or 5 and close out the question. Good luck to you. I wish you all the best.