<prompt> Human: Hey guys. My girlfriend had a pretty rough early 20s 25 currently by spending and not paying, hitting rough patches, etc. but she is now in a position to start working on her debt. I have an idea of what she should do, but was curious to see what everyone else thought. I myself have around a 780 credit score and am doing very well for myself, but I want her to solve this issue 100 herself. Seeing these numbers stresses her out so Im trying to be there for her for guidance. Credit Score: 477 Bills: Rent: 400 Verizon: 60 Electricity 70 Groceries: 250 Phone: 95 Gym: 30 Gas: 120 DebtAll accounts are in collectionswritten off at this point: 1 - 282 2 - 584 3 - 1077 4 - 1438 5 - 817 6 - 2456 7 - 5011 4, 5, 6 are old CC debt that seem to be written off 08, 09 accounts 7 is listed as Removed from Collections Total Bills: 1100 Total Debt: 11665 Income: 1625 Savings: 300 My idea was to dump all her extra money into a savings account and at least keep 1000 in there for a small emergency savings, then tackle the smallest debts first by paying the full amount off when calling the collections agencies. Is this a solid plan? Am I missing details about how collections accounts work? What is a removed from collections account? Thanks!Assistant: Seeing these numbers stresses her out so Im trying to be there for her for guidance.This is the bigger problem to tackle. As long as her perspective is It stresses me out to deal with the money stuff, its likely that shell continue winding up in these situations. That said, her current debt picture isnt horrible-- its more than possible to come back from this!Human: Sorry I should have been more specific. She got stressed out at the numbers because she doesnt understand how all of it works. I spent the morning putting everything into a spreadsheet and going through all of it so she can understand most of it. Now we just need to tackle it  <response>: Ah, very reasonable. Youre a good boyfriend; good luck! 