by eyewash
Question by KillerWorm: How can I manage my credit debts on my low income!?
I am 22.  I recently had surgery at a hospital and now I owe $  3000 on bills that have all gone to collection agencies.  Right now I have a credit score of 730.  I spoke on the phone with the collection agency about payments and they told me that I could continue making my $  20 payments but that my credit score will drop because of the outstanding payments and low amount.  
She suggested opening a
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