<prompt> Human: Long story short, I have 6 accounts in collections. They are 90 medical debt that accumulated from my daughter being born via c section and then becoming sick soon afterward and needing to be hospitalized. I was unable to pay, these huge amounts at the time so I avoided the collections agencies like the plague. Theyve stopped calling, and while I still cant afford to pay them all right away, I would like to start trying andor working on a plan with them... but do collection agencies do that? Is it even worth calling them before I can pay them off in full?  <response>: If you are not in a position to pay them, There is really no reason to call them unless you enjoy the abuse. If you can scrape together some cash call one up or send a letter and offer to settle in full. Get the offer in writing, send a cashiers check. keep a copy for your records forever. 