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Josalynqueenpostal
: They will sue you. (verizon's collections will sue for very small amounts).
Debt does not just go away after a few years.
They will garnish your wages or go after your assets.
This will have added court costs, legal fees, garnishment/levy fees, and the judgement will destroy your credit even further.

Settle if you have the cash so your credit can start repairing.
They might take 1/2 of the amount.
Do you have money?
Making payments just delays any recovery process. Score does not go up.
And remember that employers check credit.



Are you a college graduate? Making minimum wage?
Your job is to warn others not to take the degree you took.
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Verizon sold off this debt. They washed their hands from it.
Verify the amount on your credit reports. All 3 are free once a year at
Annual Credit Report https://www.annualcreditreport /cra/index.jsp
Sounds like you only got 1 report.
And don't pay for the score again.
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