<prompt> Human: I asked for help a while back on here and received some good advice about how to start fixing my credit. I have spreadsheetedbroke down everything I could find from 2 credit reports, hard bills, phone calls, etc. I can afford to pay an extra 200-220 a month towards these bills. I also have the option of moving back in with my parents which would allow me to save a net of 20,000 in a year.not too excited about that but Im thinking i need to bite the bullet If I choose to do that, I dont know if should start paying down the entirety of everything from the get go, or save up a thousand at a time or so and call to try to settle the debt at less than orginally owed. If i do that though, Im worried it will hurt me more in the long run as Im not sure if it will make that debt stay on my credit for another 7 years. Im also kind of thinking...there are some that are about to be off my credit in a year or two. If I simply dont pay them, will they honestly disappear? I know its not very honorable, but its still a thought. There is also another list of medical bills tallying between 1000 and 9000, depending what kind of benefit the hospital gives me they have not hit my credit yet, aside from the 3400 one on this spreadsheet, which could be wiped away in a week. Please help me, I dont have a ton of money, but Im willing to right my wrongs.  <response>: If your debts owed right now are 16k, and you can save 20k in a year by moving home plus the additional 200mo, you should be able to have this paid off in 12 months. Probably longer once your new bill comes and you get set up on a payment plan for that, but it definitely seems like moving home is the way to go. 