yesenia

Damn, honey, you're not having a very good luck streak going, are you? Hope that heals nicely for you, and as far as paying it, I just stretched out mine out for years (yes, years), but when paid like $25 bucks a month or something of that nature, it doesn't go to collections, and it shouldn't reflect negatively on your credit report since you are in fact paying on it regularly.

Chin up, sweetness. And don't stress it. Things will fall into place nicely. You'll see.

I'm keeping my fingers crossed that you don't have to visit a 4th time =]