Should I file for bankruptcy?

Answers:0   |   LastUpdateAt:2012-10-26 15:19:40  

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I have 29 years , and my debt is low , but probably about 10 miles , much of it sent to the collection. This debt includes student loans , credit cards and my bank account balance was negative and sent to the collection. I've been ignoring the debt for a while because now they have no money to pay with . It used to be a responsible person with stellar credit until personal problems changed my life upside down . I need to recover my credit and my dignity . What should I do ? What about the debt consolidation companies actually help ?

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