<prompt> Human: My fraternity sent me to debt collectors for not paying off 800 of my dues, I was on a payment plan but lost my job and couldnt pay it anymore. I am able to pay off a significant amount thanks to a friend, but im worried this will hurt my credit.  <response>: Forgive my ignorance but how does that work exactly? Did you sign some kind of contract with the frat saying youd pay x amount of dollars a yearsemester? Or is it just a spoken obligation 