<prompt> Human: I owe 1663.73 on a credit card I stopped paying roughly 1.75 years ago. I actually just got a letter from a law office in oklahoma I live and have always lived in CA that has been retained to collect the debt. The bank sold the debt to a collection agency and it is the agency that has retained the law office.My second large debt is I owe between 700-800 to verizon for an account I fell behind on roughly 1.25 years ago and stopped paying. I do not know the status of that debt, or if it has been given to collections.The third debt is to a hospital emergency room visit a year and a half ago for around 350. I injured my back on the job and all the fees involved for my care where paid for by my employer or workmans comp except the initial ER visist. However I then got this bill in the mail and I dont know how to approach it.I have made a lot of positive changes in my life over the 6 months and getting this debt taken care of is next on my list. I do have the money to pay it all in full. However, should I be trying to offer to pay a percentage as full settlement? I would like to add to my emergency fund first time I have ever had one if possible, so how would I go about that?Really any advice on how to best approach taking care of all of this would be greatly appreciated.Edit: For the credit card debt. The notice said that no individual lawyer has reviewed the case yet.  <response>: I was an HR assistant at a construction company for several years and 75 of my job was dealing with workers comp stuff. Your ER visit should have been covered through workers comp unless you refused the drug test.I would contact your HR office and workers comp to see if this was not a mistake. Workers comp is insurance that your employer carries to cover all costs related to an on the job employee injury, even after you leave the job. 