<prompt> Human: So I have three credit cards, all by major companies. Mastercard, Chase and Citi. I pay on two of them regularly and carry a little over 1000 each on them. But one I straight up ignored. It kept giving me problems every time I tried to log in. And after resetting my password multiple times over a period of months and talking to customer service many times, I gave up. And ignored it. Yeah, I know that does not help. Anyway. Its been almost nine months now and I got a letter saying it was going to collections. My account was closed and I owed about 3000. So I contacted them a few days ago and asked how to proceed. They gave me a third party payment option, so I contacted them. I dont remember their exact term for it but I was not in bad enough financial distress to qualify for assistance. So I called the credit card company back and they tell me if I pay off half now they will erase the other half. So of course I did. I paid from my checking cash, not another credit card. But basically they just erased 1500 of my debt. Is this normal? I feel extremely blessed and Ive been wondering about it for about a week now.Assistant: You had 1500 in your checking account and are carrying 5000 in credit card debt? A You wrecked your credit. Which isnt the end of the world. You werent using it responsibly anyway.B You need to get your financial life in order. Everything will be harder if you make poor decisions with your money.Human: Cant disagree with you. Youre pretty much exactly correct on all accounts.  <response>: The first step is recognizing it. Now, create another post on here with your full budget and get some help taking control of your finances. Financial security is life-changing! 