Originally Posted by LIT LOVE

There is likely no reason for you to file bankruptcy. Your SSD monthly income and backpay can't be garnished by creditors and/or collection agencies to whom you have old debts with even if they go to court and receive a judgement against you. The only exception is if you committed fraud--and then bankruptcy wouldn't protect you either!

Bad debts stay on your credit reports 7 years starting when you first became delinquent and made no more payments. If you make even a $1 payment, this restarts the clock.

A bankruptcy will stay on your credit report for 10 years, with the starting date beginning when you file.

So, let's say you have a credit card bill you stopped paying when you became disabled in January of 2007, it will stop hurting your credit in January of 2014. If you file for bankruptcy next month, that same debt will hurt your credit until 2021!

Utilize the free information in the forums at the link below:

http://creditboards.com/forums/

What are you trying to accomplish by filing for bankruptcy?

Originally Posted by rod_1965

while im not a fan of filing bankrupcy I have been harassed so much by creditors that is not helping my state of mind for sure I will see what my options are thanks for the advice.

Originally Posted by LIT LOVE

There are ways to get them to stop bothering you without resorting to bankruptcy.

How old are your debts, when was the last time you made payments? What state do you you live in? Send your answers by pm if you prefer.

I can help with the basics, but there are advocates that will help you deal with these matters if it comes to that!

Originally Posted by rod_1965

thanks again some of this debts are old so maybe i can get rid of them I will look and see maybe i can seek help with that so I dont have to file bankrupcy..update on representative question: thank you all for your responses I went to my SSA appointment today and I had a letter from my doctor..the lady said that was good enough so she said i dont need a payee im very happy but sad that I am now officially disabled..I wish i could work but at least I will be able to get the help I need thanks again for your support and the time you took to respond to my questions.