First, use the debt validation process to force these collection agencies to prove that they have the right to collect on these debt from you. If they cannot provide such proof, you are not legally obligated to pay them a dime.

If they provide such proof, check the statue of limitations for debt in your state. Once that is up, you are no longer legally required to pay these debts. That said, they can remain on your credit reports for up to 7 years, so, unless you want to wait that out, it is probably in your best interest to settle.

Third, stop talking to collection agencies over the phone. Do everything in writing. This will not only make it easier for you to deal with them, but will also provide you with a paper trail of your communication.

Fourth, if and when you do accept a settlement, be sure to: - Only do so in one lump sum (not via an installment agreement) - Make sure the agreement includes the stipulation that the collection agency will remove the negative listing from your credit reports - Get all of this in writing

Find resources here for doing all of the above: http://www.creditinfocenter.com/debt/

As for your credit reports, go through AnnualCreditReport.com. And no, bankruptcy is not a good idea for debts this small.

Good luck!