<prompt> Human: Is this a legitimate concern? Heres the situation: Ive been ignoring medical bills for a few years now because I didnt have the money I now have a job and a bit of savings I dont know the entire sum of my debts. I feel like its probably a bit less than my current savings, but it might be rather close. If I paid it all at once it might leave me without enough for an emergency. Ive read the wiki and done some searches here. I think Ive figured out some things, like the fact that I want to ask the collectors if the debts are owned or assigned, and that I want to get them to send me the papers before doing anything else. Im concerned about opening the floodgates, so to speak, when I first start answering these collection calls. Ive hopefully read the wiki enough to understand that I shouldnt agree to anything just because I answered the phone.My fear is that Ill be swamped in paperwork and calls and who knows, maybe legal stuff as soon as I answer the phone once. I dont have that many hours per day on which to work on this.Any advice, about this question or my situation in general? Thanks in advance.Edit: thanks for the responses, all  <response>: Pay it all off. Thinking about debt and collectors probably isnt good for you. 