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A1hotqt

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Would it benefit to file bankruptcy with a lot of non credit card debt
A lot of medical, phone, car tow (my car stolen and set on fire), some stuff I am not even sure of

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Is there anything in those debts that a creditor could repossess and sell to recoup some of the monies owed?  If there isn't, those are "unsecured" debts which would be at the bottom of the list for repayment in bankryuptcy anyway.  And bankruptcy is not a fresh start, unless you consider starting over from nothing a fresh start.  Bankruptcy will hurt your credit for 10 years and is not a good thing to have on your credit reports.

Try negotiating a repayment agreement with those debts you know are yours.  If there are debts you do not know anything about, file disputes on them.  These topic are well covered in the articles provided by this site, which is geared towards educating people about credit, how to use it and how to buld a better score.

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