The total amount of debt in collections is not going to have much of an affect on your credit scores. The number of collection accounts and their age does. If you are going by scores you saw online, they are not accurate at all. You need to speak to a lender who will pull your credit to see your actual mortgage credit scores. I would be happy to help, if I cannot find you a lender to approve you, I can send you our credit guide for free to show you exactly what you can do to increase your credit scores. We work with a couple of lenders that work with poor credit hopefully we could find you a lender to help.