<prompt> Human: Long story short, I really mucked up my credit in my early 20s and I wanted advice on who I need to talk to to start getting things in better shape now that I have a better job. In the last four years Ive avoided these things but I now realize I cannot avoid forever. Ive gotten two credit cards to go into default, received subpoenas for both but a court case was finalized on one with a payment plan plus 4.5 interest, the other Im honestly not sure about as horrible as that sounds. I have medical bills over 6,000 USD that are in a collection agencys hands now. Two years ago I had a car repoed. Lastly, I defaulted on my cell phone bill about nine months back. Since I have so many problems, I feel like Im drowning but Im also really lost on what I need to do to start trying to get my life turned around, if thats even possible. Any advice would be appreciated!  <response>: Neither. Just pay your bills and the credit situation will resolve all by itself. 