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Ronithepoor

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I have very poor credit and am unemployed. Should I file for bankruptcy

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NO!!!

You couldn't afford the attorney fees, anyway and it costs money to file bankruptcy.  Right now your concentration should be just on meeting the survival essentials (housing, utilities, food & transportation) and don't worry so much about such things as credit cards, etc.  You could notify said creditors of your situation (they appreciate that) and don't use credit cards until after you are back on your feet.

As for repaying the bills eventually, it helps to know the statute of limitations on collections for your state and the "date of last activity" on the bills.  When the statute of limitations expires, the bill is no longer collectable.  Google "Dave Ramsey" for information on debt repayment, because he has good information to share.

Just don't do bankruptcy.  Generally, it's a bad idea.

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