<prompt> Human: Hey reddit! So to break down whats been happening...A few years ago I was unemployed and my car ended up getting repossessed by the credit union. Between then and now a couple of medical bills went to collection as well as some other bills I couldnt pay. Also for the years of 2015 and 2016, I didnt file my taxes because I owed and knew I wouldnt be able to pay. Now I have a good, steady job and want to plan my future. But my credit is absolute trash and I dont know where to even begin when it comes to cleaning it all up. Any advice would be greatly appreciated!-Katie  <response>: I would start with the IRS because theyll take your money any way that they can get it, and better to have that taken care of before they start. 