hello

mero insurance nabhako karan le garda last year birami parera hospital jada tanna bill aayo. ali ali tirey baaki tirna sakina ani collection agency ma pathayechha. aba baki tirna ajhai 2200 dollar baaki raichha. aba credit report ma ni aaisakeko bhayera settlement ko barema socheko tara tini haru le 1500 dollar ekai choti ma tir bhanchha, aba college ko bill tirna garho bha bela ma yetro tirna kasari saknu. khai k garney hola  sathi haru suggestion diye kaso hola.

ani yo debt tiryo bhaney k credit report bata sabai debt hatchha ki kati barsa samma rahanchha? pls give me suggestions ASAP. i will really appreciate it.

thank you