29 year old drowning in debt.

29 year old drowning in debt. In 2020 I moved to a different city for work and whilst living there I was taking out loans to pay for rent/utilities and other household essentials. I bit off more than I can chew. I’m now married with a house but feel like all our money goes to my debt. I was recently told by someone that can help get my credit better that if i let them go into collections they can take the collections mark off of my history. That seems a little crazy. I’m not sure what I should do. Any help please!