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mas83

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what if your insolvent but cant afford bankruptcy?

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Then you notify your creditors and let it go.  They may gripe and scream and threaten a lawsuit (you should answer such threats) but the unpaid debts (except for such things as student loans which couldn't be discharged in bankruptcy) the unpaid debts drop off in 7 years.  Bankruptcy hurts your credit for ten years, so it's not a great solution, either.  I recommend taking the time to read the articles on this site to better understand exactly how credit works.  That IS what CK is here for,

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