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Due to extenuating circumstances I let a "fix it" ticket slip into collections (fines for the citation and for failure to appear in court). I will begin making payments, but wanted to know if this will be on my record (driving and/or credit report) forever? What if I declare bankruptcy?

I allowed a "fix it" citation (no front license plate) to slip into collections due to various extenuating circumstances (relocating, job lay-off and family illness). Anyway, what was a simple fix it ticket is now in collections for $800. I haven't paid anything yet. Can I still take care of...