I need some direction on how I would go about addressing my situation I lost my job about 8 months ago. All my credit cards were charged off and are now in collections. I currently have a job now but I cannot afford to pay large sums of money to the collections agencies. My credit score is shot. How would I go about getting my credit score up? How do I deal with collection agencies when trying to pay them off? I tried working with Apex. I sent them my credit reports. I heard from then once and no more. Any help is greatly appreciated.