[!@#$%!]

ah. well they dont have to know dont they? anyway, whatever works.

i edited above for some collection info shit.

look, dont be so terrified about having bad credit at 18. sure it sucks but it's not the end of the world. if anything, that will keep you from getting unnecessarily into debt like so many college students with credit cards.

by the time you're ready to buy a house (years from now0, you should be able to have fixed this bullshit. truly, no use to be sucked in by the drama. and you're not going to get your own apartment any time soon-- you'll have to live with rommates anyway.

get out of florida, get yourself a job, spend less than you earn, save some money, that will do you better.

btw there is mandatory health insurance in massachussets. you could go there & qualify.

anyway, seriously, these collectors like to put a whammy on you to make you think your life will be over if you dont give them their dough. but it's bullshit. they lack the superpowers they claim and you have more rights than you imagine.