Don't say that. After trying to file an assault charge I got bad advice from the police officer and got screwed over by the state, and some doctors. The doctors said they would accept installments and passed it to Collections before the first payment.
Throughout this I was talking with 2 lawyers, the DA, at least 8 collectors and doctors offices, my bank, a property owner and renter without insurance trying to get all this figured out and paid for. I came out of it fairly well, only with the knowledge and tools I had to use. But everying finantially was ruined. I can still see a couple of those collections on my report, it's a painstaking reminder of what all happened.
Now I'm trying to rebuild my credit from 554, and trying to apply for credit card to avoid late fees on bills because my prior buffer was depleated and my credit cards were closed. I can't apply for a morgage and save based on average morgages around here about $200/month either until everything is cleaned up.
I might have shared too much but medical expenses can really destroy your budget briefly, but your credit for a long while.
