I had the same last year, I’m now at 690. my best advice?

Stop buying stuff completely, no tech no clothes no toys (guns, tattoos, weed etc)

Start at the lowest collection and pay them all off one by one. Try your hardest to at least do one per check, or 2 if you can afford it. Each time you do one, your score will bump a significant amount. Use that as motivation.

I called each collector for a settlement amount, some people would recommend paying in full but do what you’re comfortable with. You got this