<prompt> Human: So a while ago I had a credit card and ended up dropping out of school with it maxed out due to needing food and having no money. after a depression period of 9 months I had gotten a job at a restaurant support staff. so I had not yet been getting paid regularly. I got a letter in the mail stating I owe 1257 from a private company listed from my bank. I am back logged on my taxes and I have 300 in the bank what should I do to get to a positive state financially relatively young CAN  <response>: Contact the creditor and work out a payment plan. 