what is a good way to consolidate non-credit card debt?

i hit the unequivocally low assign measure of 533. however, i hit no credits cards outstanding. i had the singular assign adjudge bill, though i paying it off about dual eld ago. every which is upon my assign right away is in every tiny stuff–excepting my tyro loans–under the integrate hundred dollars. i hit often healing bills — LOTS of things which got dispatched to collections for being unpaid. uninsured hospital visits, ambulance rides, work tests, etc. i didn’t hit word for over 2 years. is regulating the debt connection association unequivocally the viable approach to go? i hit listened which simply regulating the singular reflects unequivocally bad upon your credit, though i unequivocally do not consider my assign could get the total lot worse. i hit during substantially the singular or dual dozen disastrous things upon my assign report, though not the singular the singular is the assign card! you’d consider which would hit it simpler to work with–at slightest i’m not being live seductiveness or New fees upon any of these debts. though supplement it every up as well as it’s the lot! any advice??

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