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pasen

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i have over 88,000 in collection bills should i file for bankruptcy

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Where are these bills?

If you just found them when you joined this site,  the first thing to do is check your regular credit reports.  Go to freeannualreport.com and order all 3 credit reports.  Go over them thoroughly to find errors (which do exist often).  Dispute those wrong entries with the credit bureau reporting them.  They have to investigate and either verify oir delete the errors.  Make it a habit to check your credit score every year.

Now, if there are any remaining collection bills left on the reports, check the date they are due to fall off, which should be shown on the report.  If it isn't, search the web for the statute of limitations for collections and find the one for your state.  That can be your key to negotiating a settlement with a collector.

Do make sure you check your credit reports every year.

Hope this helps.

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