<prompt> Human: Im on a path to rebuild my credit and take care of old financial mistakes. I currently have 8 account in collections totaling 5,000 and 3 credit cards with balances totaling 2,600. The credit cards have a 0 APR interest rate for 8 months so I was curious whether its a good idea to pay the cards off first or start taking care of some of my accounts that are in collections? Im able to contribute 1600-2000 towards my debts monthly.  <response>: If you can put that much into it, your collections debt will be gone in 3ish months. And you would still have 5 months interest free on the cards. Havent delt with collections before but seems like a good idea to pay them first.. Just dont forget to at least pay the minimum on your cards! 