Credit wise once any bill goes to collections the damage has already been done. The collection company can take you to court, sue and win a judgment. If they do, they can garnish your wages (if your State allows it), attach any bank accounts you may have and file liens on any real property you may own like cars, boats, land and homes.
All of this will show on your credit for the next 7.5 years (10 for the judgment) and make it very hard to get approved for any other types of loans for at least the next 24-months. Not to mention the damage it will do to your credit score.
I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.