<prompt> Human: So I have 1200 to spend on my debt. I am trying to get out of debt and fix my credit which is shitty right now. I have a 1023 debt in collections, which they said they would take 900 and an almost maxed out credit card at 3000, with 24 APR. What would I be better off to use the money for? The debt in collections looks bad on my credit, but so does having my card maxed out. I have been very slowly paying on my card, but its only been a little here and there. I feel like the credit card would be better, but Im not sure when the next time Ill have a chunk of money to put on the debt in collections.  <response>: Get it in writing that they will delete the negative reports if you pay them the 900. Then do that. It will be immensely more helpful than paying down the card. 