<prompt> Human: My girlfriend and I recently moved in together. As we discussed and applied for the new apartment she told Me she had two debts in collections that she has not paid in about two years.I asked to see the letters but dont know what to do as I have never missed a payment and dont know how to proceed. She has two debts, 9677 and 9329. She has a letter from the collections saying she can pay 2903 on the first or 36 payments of 174.72 and can pay 2798 or 36 payments of 168.45 on the second. It states your account will be settled and no further collection activities will occur.Any advice on how to make sure we repair her credit the best possible way?  <response>: Other than the other advice - do not sign ANY agreements Bank accounts, ccs, car loans with her until this is resolved. You do not want to get linked to that debt. 