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mainemaine75

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can bankrupcy hepl with my credit

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not with your credit but with your debt.....if truly are overwhelemed and you can't pay it off then file bankruptcy if you have a house you can still keep it and your score will most likley fall into the 500's and the bankruptcy will be on your record for 7-10 but you won't have that cloud of despai hanging over you.....like most unfinacially savy people that have to apply that don't prepare for a rainy day like medical bills ( somewhat understanable but still thats what insurance and emeregency funds are for 6 months minimum) but credit cards feel not pity for those morons.....and then cry whoa is me because i'm dumb.....file for bankruptcy and move on but it will crush your credit score and you won't be able to even get a secured credit card for atleast a few years.....so good luck with life

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Consult with a bankruptcy attorney (initial consult usually free) who likely will present workable solutions to the debt problem without your having to file bankruptcy.  Bankruptcy will leave you with seriously damaged credit for 10 years that you will have to rebuild from the ground up afterwards.  I did a bankruptcy once and wish I hadn't. 

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