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I'm $15,000 in medical debt as of right now, and I'm 19 years old.

Oh, man. What happened? Give us the quick version of what happened.

Three months ago, I got into a high crash, into a car crash at about 60 miles an hour, broke both my legs,

and had to spend a week or two in the hospital, and I've been out of work for the last three months.

What's the status on being able to get back to work?

I'm just now able to kind of waddle around my house like a penguin,

but I'm walking still not that great right now, and the doctors are kind of telling me that I'm

not going to be able to go back to construction for the next year or two, at least. So is there a,

is there a settlement coming out of this?

I mean, were you at fault, or are you going to get paid off of this?

I think I was at fault, if I believe correctly, yeah.

Oh, that's tough, my man.

That's real tough.

Yeah.

And my, my, sorry for interrupting.

No, go ahead.

Well, my question was, is that at 19, I've kind of been given two options of how to

handle the $115,000 of debt that I'm in, and it's to either, you know, counter them

and say that I'm not going to pay it and agree on a lower settlement of, you know, 60 to 80,000

or whatever, or to just not pay it and let it really, you know, 60 to 80,000 or whatever, or to just not pay it

and let it really, you know, hit my credit score and let the credit score drop. And I don't know

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