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chrissy is with us in vegas hi chrissy welcome to the ramsay show hi dave hey whatamp;#39;s up how are you good how can i help um okay so iamp;#39;m on the collection portion of my dead snowball um and um i just wanted to know how iamp;#39;m supposed to tackle it because none of these um places are actually like contacting me or anything itamp;#39;s most of them are like two years or more so i only have their address and then one of them is also an amex thatamp;#39;s not on my credit report anymore so i just want to know how to tackle them because i have all the money already to pay them okay good and you donamp;#39;t have any debts that are active only old debts that are in collection thatamp;#39;s correct okay list them as best you understand the balances smallest to largest contact the smallest one and find out what you can settle that for because you may think itamp;#39;s a thousand dollars and they may have run it up to three thousand and youamp;#39;ll have to neg