how do i get out of debt as a 19 year old?
hi, i’m embarrassed to ask my parents about this but i do truly need help on this. i’ve been building my credit for a year now but i have two things in collections that are just weighing my score down. i mistakenly thought that when i got a new debit card that not updating my card would end my anytime fitness membership and i was wrong. i had no clue how much i owed until it showed up in collections and its at 1k now. as well with a medical bill from when i went to the er and had no money to pay for it at that moment so i was saving money so i could pay for it. i’m a server so i was trying to pick up shifts while also paying other bills to try and pay for this medical bill. well they sent that to collections as well. i have no idea how to pay these things off and how to get them out of my collections so that i can get my credit right again. right now im 2k in collections. any help is help.