<prompt> Human: OK, first for some small background. I just recently got back from studying in Germany for 6 months. The only way I was able to go was with a scholarship and by selling a lot of my stuff. Anyway, now Im back and I have 9 credits until I graduate. The problem one of many is that FAFSA messed up my aid so now I dont get to go back until next term maybe not even until next year. Right now I am currently working at a new part time delivery driver job. Yesterday I found out that I owe our local hospital 1100 which I never even heard about before this. They said they are going to start garnishing my paychecks. I havent even gotten my first paycheck yet from work and I still have to pay Rent, Utilities, and for my dog. The minimum payment is 130 a month which is basically my entire paycheck. I wont be able to pay rent or eat and I cant get another job because I need to go back to school in Winter. They said there is no way to lower the payments. I just really dont know what to do. Im scared of not getting enough to eat for my dog and maybe not having a home. On top of all that, I just backed into a parked car like a fucking idiot. If my insurance goes up too much I will be unable to keep my insurance and will also lose my car. The guy whos car I hit keeps calling me over and over and I dont know what to say to him. I literally have no money I have about 10 quarters in my piggy bank. No one I know has money to help me out with. My family and friends are all pretty poor. My bank account is at -72 . Anyone with their shit together want to give me some advice? Edit: It seems some clarifying is needed. I just got a job so I dont know what my hours will be in the future. The medical bill is from the emergency room and I never heard of a bill I have insurance until they threatened to pursue my account and were completely unwilling to work with me because it was my last chance. Im confused because this is the first Ive heard of it. Im currently trying to find a second job. My dad agreed today to help me out with the fender bender. What I need help with is the hospital bill. I need money to pay rent and utilities before I give anything to a hospital. Also, I just moved into this house. Its a weird living situation. Im basically living here so I can take care of the house for my boyfriends parents. I wont lose my house unless Im unable to pay rent for like 3 months in a row which is why Im worried about the hospital bill. Is there a way I can make smaller payments so they wont garnish my paychecks? On the phone they said they could do nothing to help me. Ive already cut out any extra expenses. I dont go out, I dont buy beer, I dont go to movies, I eat rice and beans. As for the car, it isnt an expense for me. Im basically a taxi driver for my friends because Im the only one with a car so they pay for my gas. My dog is like my kid. I cant get rid of her. I was upset when I posted this earlier so I was being a little dramatic when I said i might have trouble feeding her; my dog will always have food. She comes first. Edit 2: Thanks for all of your help. Does anyone know how to deal with debt collectors and how to negotiate a more affordable monthly payment?  <response>: Garnishment order has to come from a court as I understand it. If they have not taken you to court then you cannot be garished. If they have not taken you to court and are threatening to garnish your wages, record it. If they are threatening to do something they cannot legally do then you have then on a violation of the Fair Debt Collection Practices Act, and can actually sure them for each violation.See: Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment FDCPA 15 U.S.C. 1692eUntil you actually go back to school, maybe you should look at picking more hours as a delivery driver. Also your insurance company and the guys insurance company need to talk directly, talking to him is not going to help matters, Either way your insurance is going to go up I would bet. 