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jws53

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would bankruptcy pay off all those collection agencies TransUnion and all them would that help me

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First off, we can't see anything about what accounts you have, so the advice will be somewhat generic.  Second, bankruptcy does not pay off the accounts, it just basically says "I can't pay, so you get nothing" and that hurts your credit for the next ten years.  There are some things, like student loans, that cannot be discharged in bankruptcy.

Your best advice may be to consult with a bankruptcy attorney because the first consultation will be free (check your phone book) and the attorney will have some suggestions that may make it possible for you to avoid the need to file bankruptcy. Why would they do that?  Because they know the consequences of bankruptcy and don't want people to do so unless it were absolutely necessary.  

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