Keep in mind each late and collection item will stay on your credit report for 7 years regardless if you pay or not. The items in collection you should contact them and do the following...offer to "pay for deletion" where they would remove the "collection" from your credit report. You can do this in a letter or phone call. If they do it, get it in writing. You can also try to negotiate a lower payment amount.
Try to not let the other items go into collection. Pay anything to keep it from defaulting further. You can certainly try to negotiate fees off, but in the end, it going to collection would be worse then some fees. Depending on how large the fees are, how long you've defaulted, it will all play a part.
After you get this in order, give it a few months and retrieve your credit report. Dispute any items that are incorrect. You can try to dispute correct items and if your lucky..they can be removed if the company doesn't respond in time to the dispute inquiry.
Hope this helps and good luck. Going further if your unable to make a payment, or on time. Call them...they will work with you before marking you late...a negative strike on your credit for the next 7 years.. regardless if you pay.
