<prompt> Human: I work in commission sales and am on pace for about 78k this year. Of course none of that is guaranteed. I have about 4k in savings and a total of about 2100 in bills monthly. I am the only income at the moment, but my wife is about to graduate school and has a 30k job lined out when she gets out.Im 30 yo and am still paying for the bonehead credit mistakes I made in my earlymid 20-s. I have about 1600 of collections and charge-offs that I need to take care of from the 2007-2009 time-frame. Being solely based on commission, Im having a hard time pulling that money from my savings to pay those offCan someone help me out with a game plan for how I need to address these credit situations and then a follow-up plan to make sure this extra income Ive got at the moment is safe, secure, and helping me better the future for my family? If it helps we are renting a house and have 2 car payments 400 and 250.  <response>: You have 2k in disposable income monthly. Even if it is uneven, how do you struggle to pay off 1600?You should be averaging out 2k per month to pay off debtssave? 