CBE collection agency wants 300 dollars for a verizon bill.?

I owe 300 dollars to verizon for a home phone. this is from a year ago. im sure it has already affected my credit and to be honest i never really had credit to begin with. im only 21. i also have a 3000 dollar student loan that is waiting to be paid off. im currently saving for something that will cost 10,000... show more I owe 300 dollars to verizon for a home phone. this is from a year ago. im sure it has already affected my credit and to be honest i never really had credit to begin with. im only 21. i also have a 3000 dollar student loan that is waiting to be paid off. im currently saving for something that will cost 10,000 dollars and i feel like paying the 300 to cbe wont get me closer to that goal. should i just put it off for a while? whats the worst that could happen if i pay it in a year instead? its just verizon for goodness sake!
6 answers 6