Debt in collections

[wildumbrella]

So I have a delima. I will be entering a nuke in the next fews months. Since my last nuke in 2022. I accumulated 16k in student loans. And 1.5k in credit card debt. My problem is that the 1.5k in credit cards went into collection in the whole of 2024 and half of 2025. I have been making payment on them and my credit score has gone up by about 30 points. The accounts were charged off and sold. I am paying the debt collectors and have made proactive efforts in addressing them. I have recipts to prove this. In 2024 and half of 2025 my family and I were struggling and barely able to keep our heads above water. Even though we made 75k as a house. My income was the one keeping our house afloat. I was having to take care of my father as well since he lost his job. Will this debt screw me. Im a nervous wreck over this. Thanks for the answers in advance.