I have a 200$ outstanding bill from the eye doctor. Due to a big screw up i wasnt aware o it till a year later (this march) when I went to the eye doctor yearly visit. That was middle of march and I got a call this morning from a collection agency. Saying I have to pay 100 end of this and 100 end of June or it will go on my credit. I explain I just dont have the money. He said well you have 4 weeks about to come up with the money. Will this happen? I don't think I even have a credit because I never had any credit cards or loans or bought a house or anything. I've been tearing my house apart and there just isnt anything to sell. Im disabled and i dont have any extra money each month. Okay maybe $20. I normally put that in dd piggy bank for emergencies. There is about $50 in there but I can't use that.