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How I did it: I just saved all of the dreaded collections bills and then made a list and prioritized them! I put the smaller amounts that I could easily pay off at the top because it will feel good to get them checked off!!! Then the couple of personal debts I have. and then I put the few that have already showed up on my credit report, (I had a report from when I tried to rent an apartment) which were the non-medical bills (I learned that, being uninsured, most of my debt is medical).