college is not the best time of your lfe if your dumb

Well heres my story as is seemingly requested. It all began back in college. I went away for school and needed money for the little things like beer and wal mart. i got a credit card and max'd it out in weeks. th original amount was 1800$. obviously with little to no income i couldnt pay the thing, never thought about that! i tried negotiating with mbna and they wouldnt have it. finally i asked them if they would close the account and stop tacking on over the limit and late payment fee's so i could get ahol of the balance and pay it down. they agreed but low and behold next month i get a statement with late fee's and over the limit fees. i called and they told me that that person had no right to negotiate that. i told them if they couldnt then sorry i couldnt pay them. they said thats your choice. fast forward 4 years. i had quit school and took an electrical apprenticeship and was making kinda ok money. i got a call from some collection company about that debt for mbna. my debt had now balloned up to almost 5000$ but they wated to give me a real deal and pay it off for 3000$. i said no thank you. and to this day i get a call just about every day from them. also over the course of my post college life i hadnt had any health insurance. unfortunatly i have asthma and need ER services and some other things here and there. just barely making it on the money i was making i couldnt pay those either. well i recently got a job with the railroad making damn good money and thinking about the life ahead. unfortunatly the life behind is puttin on the brakes. so now here i sit with a roughly 5000$ credit card debt that started out at 1800$. and about 3700 in medical debt all in collection. my whopping fico score of 564 qualifies me for a good laugh from any creditor.

just looking to clear up all this stuff so i can move on with my life. i know my debt isnt as bad as a lot of peoples but it sucks none the less. the bad thing is EVERYTHING is in collection so i have to deal with these guys who apparently love being scum of the earth. makes negotiating with thme that much harder.

just fyi all this debt is like 5 years old or more. since then i have 2 loans, 1 for my truck thats halfway paid off and 1 student loan thats halfway paid off, no credit cards, and if i cant buy it with cash i do not get it. ive become the poster child for reborn fiscal restraint.