Discovery sucks

I was retrenched in April 2021 and because I had used half of my medical aid savings i know sit with a bill of 9700 because I had to leave the medical aid. There after i have made many payments and payment arrangements, but on place on ITC so how in the world must I find a job with a bad credit record and why doesn't anyone explain all of this to you before you start on the health cover or before u retrenched. Mxm