<prompt> Human: I was insured by a car insurance company called Good2Go avoid them about 2 months ago and my monthly payment at the time was 174 with a year of driving experience but I had no job to afford it full time college student. Therefore, I could not pay on time and told them to give me about 5 more days but instead they cancelled my car insurance the next day and said I can longer be insured by them for now on. Though just now I received a letter in the mail saying I owe them 32.16 for a late payment and I have 9 more days to pay or it goes into collection. I dont want to pay another cent and I regret shopping with them. But how will this affect me if I dont pay? I have a credit score of 640 with a lot of student loans.  <response>: If it goes to collections it will probably send your credit score down into the 500s until its taken off. You should totally pay that money - you owe it. 