mryker

In 2016 and parts of 2017, I've had a few credit cards go into collections. 1. Credit Card from a bank is about $20,000.00 2. Credit Card from a store is about $5000.00 3. Credit Card from a bank is about $5000.00 4. Credit Card from a bank is about $3000.00 At the time I was not working and did not know about negotiating/settling . I am now working, making about a small $33K a year. Should I pay off this debt? Do I call the collection agency's and pay it off? What's the best route to take? Best