<prompt> Human: Edit: I failed to mention that before 2 months ago I used to work only has a food waiter for almost 7 months and I was making roughly 400-600 weekly when I first started. Leading up to my resignation, I was barely able to clear 200 a week due to the restaurant slowing down immensely. This is when I picked up my first bar job which at the time brought in 200 Bi-Weekly and was able to only pay off my monthly bills with. 1 Month ago, I began working at ATT and at the Nightclub. I recently received my 2nd Weekly check from ATT and my 2nd Bi-Weekly check from the Nightclub. So now you know how new my process to paying my debts off are. So background on me: 20 YO M Currently working 3 jobs and I make around 2380 after taxes and before monthly bills Tech support for ATT - 11.50 - Full Time 40 hours weekly weekly pay Bouncer at a Bar 10 - 15-20 hours Bi Weekly and tips per shift but no more than 20 a shift Doorman at a Nightclub 11 - 5-20 hours Bi Weekly no taxes and Customer Tips are against policy Im paid through a 3rd party security company that the Nightclub contracts out. Yes I understand how shady this is Monthly Bills: Car - 253 Bought when my credit score was good at a 3.9 apr and no co-sign Insurance - 180 Phone - 110 ETC - 60 Does not include Gas 3853 in total debt Credit Card debt - 2299 Pawn Loan - 737 School Loan - 817 This can possibly be disputed but I havent spoken to the bank yetCurrent SituationIve moved back in to my parents place 4 weeks ago and I just now have been able to get back on my feet and start tackling my debts. Today 91314, I received a letter from the Aldous Associates, P.L.L.C. in regards to a 109.96 debt owed to the You Fit Health Club.Yes, I did stop paying my payment due to: 1: I no longer wished to go to this particular gym and couldnt cancel it without having to Buy Out my contract or trade it off to someone. Couldnt afford to do the Buy Out option and no one I knew wanted to go here. 2: My electronic checking account with Wells Fargo was in -765 range, then this amount was cleared completely and a few weeks later both my checking and savings account were closed without my consultation or permission. How can I get out of this debt collection?So my question is; If possible, how can I go about not paying this debt for the Health Club? Could I possibly state that since I did not give permission to the bank to close my accounts, that they are the ones held liable since they didnt consult with me prior to closing my account? The law office has given me 30 days to contact them and defend my stance to see if they see the debt valid. My bank historyAt one point the bank contacted me to try and colllect money to be put towards the credit card. I told them that I could possibly put down 50 at the end of the week which I didnt. I could barely afford rent at this time. So they then pulled the funds from my checking account pushing the account into even more of a negative and this happened 3 times. They then realized that they kept drawing funds from themselves technically and erased the -765 and closed the account all together the following month.Last week, Wells Fargo then contacted me regarding only my credit card debt which they then took off 150 in late charges and told me that I need to pay 400 by 91514 which I cant. I can only afford to send them 100 this week but I can send them another 100 next Friday.Pawn historyI had to pawn my 1oz Gold coin last month in order to pay for my car and registration. I have till 111114 to pay off the total amount in one lump sum of 737. I currently want to pay this one off completely first simply because the gold coin is one of my only liquid assets and valued item.School LoanSo my loan is a typical FASFA loan through CITI bank for a community college here in Arizona. I had signed up for 2 in class summer classes which they then were dropped one after another due to not enough students signing up. A counselor then contacted me and notified me that she can sign me up for 1 online course and to choose a different course because they didnt offer this particular class online during the summer. At this point I had 1 online class and 1 on campus class. The on campus class then was canceled for again, not enough students signing up. At this point classes began the following week and I couldnt sign up for anymore classes and my loan was only set for Part Time so I figured since I didnt go to orientation that I would then be dropped from all classes like I have done previously. I was wrong. I was denied re-admission for the Fall Semester till my debts are paid off to the SCHOOL, not the BANK. This is what I was told from the Financial Advisor at the college. She had told me that If I paid cash for my classes that I would be allowed to attend. If I wanted to get my loan back, I would have to pay off the debt by directly paying off the school. This debt is 3rd on my list to pay back with my Credit card being my 2nd.Any bit of help or advice is of great benefit to meAll Im asking for is some advice in how I should go about primarily the You Fit Health Club debt collectors and even advice on the other topics would be great help too. Dont tell me how bad I fucked up or how ridiculous I am with debts. I figured those parts out already.Thank you for your time and help  <response>: Pay the 100 and make sure the collection on your credit if there is one demonstrates that you paid it. Or try to get it deleted. You signed a contract, its no different than signing a cell phone contract and then deciding you dont want your phone anymore. You can just walk away but the cell phone company is going to consider the balance of the contract delinquent and attempt to collect it.Also, FYI, Wells Fargo doesnt need your permission or your consultation to close your account. Your account was delinquent and they waived all the fees and closed it. Even if your account was in good-standing they could close it for basically any reason, which you can surely find in your account terms and conditions.Also, like 80 of your income is unaccounted for in your budget. So most people are going to read this and wonder why you are unable to make minimum payments on your credit card or deal with a relatively small amount of debt to income. 