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gibsonsmith12

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should i file bankruptcy

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None of us has access to your financial information.  If you are concerned about items that have shown up on your credit report, first check to make sure everything there is correct.  Go to freeannualreport.com and get all 3 credit reports.  Go over them thoroughly and file a dispute for each incorrect item with the credit reporting agency that shows that error.  They have to investigate and either verify or delete the item.

If you are having trouble with current finances, consider contacting Consumer Credit Counseling Service for budget and payment assistance.  

DO NOT GO TO A "CREDIT REPAIR" company!!!  Too many of those charge a fee (which someone with debt problems doesn't need)  and some do not make payments on time, causing the debtor further damage.

Since bankruptcy will damage your credit for 10 years, and you are still considering it, consult with a bankruptcy attorney.  Their initial consultation is usually free and they often propose other options that would work.

Hope this helps.

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