I have a question in regards to two bills that got sent to collections. The company is Transworld (the devil lol) for both of them. One is a medical bill for $ 100 and the other is an education bill where I owed the school about $ 650, but the are asking for over $ 800. The medical I just totally forgot about and the education one I simply didn’t have the rest of the money for a semester and let it sit for too long. I’ve talked to both OC and they said I need to speak to the CA. So i’m wondering do you think I should I do the Whychat Hippa Letters? I’ve been really working on my credit score and I am trying to buy a house buy the summer and don’t want this to mess me up.