First, I don't have any credit card debt. I paid off those debts years ago and just never applied for new ones. The debts that I am in collections for are as follows:
Dental (root canal): $800
Medical (my daughter didn't have insurance for an ER visit): $2100
Car Repo: $3000
Cable Bill: $120
Gas Company: $200
Salle Mae: $12000
I think there may be one or two more that are around $100-200.
Right now, I make about $45,000. I'm a single parent and don't get any gov't help. I'm basically pay check to pay check b/c I don't budget all that well. Should I file for bankrupsy or just suck it up and dig myself out? Will take a long time though. Which is faster towards improving my credit?
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