How much total debt do you owe out besides the collections?
We need more info in order to give you some advice.
Is it your car or your ex husband's, who is responsible for it?
Not sure what your income is and how much you have availiable for your debts?
How old are the collections, who are they with OC, CA names would be good so we can better determine how to attack them. Is your ex's name on the title of the vehicle?? If not report it stolen ( i know harsh, but he's screwing you over right now). Depending on the age of the medical collections you will have different options. The mod (gdale) has a great way to attack medicals.
He drives it but it is in my name and the payment is almost $800 so I could not afford to take it from him and make the payments on top of the vehicle I drive. I make decent money and I could def start saving to pay some of the collections off, but I have heard that even paying it off doesn’t boost the score very high so that is why I am trying to figure out my next step
Well not sure why he is driving it, but unless he is going to refinance in his name and take over payments, his behind wouldn't be in the car. So you are letting him drive it, but nobody is paying for it??
You can always try the pay for delete route first with the collections and see if you get any nibbles.