Bankruptcy?

[Anonymous]

Although this is a last resort, would I save myself money if my credit score is the same after two years? I know there is a wait period for mortgages and things. 

Currently I project I can pay off my debt in about 2-2.5 years

Score: 560

Open Loan $2,300 payments made on time

Old car loan: Closed and all paid on time

No other loan accounts

The bad:

$198 old Capital One  reopened june 2015

$2,177 verizon wireless 

$420 Medical Bill 

$506 Medical Bill

$4,700 Medical Bill 

$3,466 Medical Bill 

$209 Medical 

$127 Medical 

$3,200 Medical (public legal)

$1,600 Tax Lein (public legal)

$3,300 tax (public legal)

So, if I don't do bankruptcy (I know tax won't come off) how would I go about paying? Even mess with the others? One company the $420 said they would delete, the rest marke paid as agreed. Does it matter to pay the whole ammount or settle? 

[darwin_wins]

You should make a list of your expenses and see if you can cut the expenses to pay your debts. If you don't have enough funds I am sure hospitals will work with you and try to get some money if not anything from you. Call them, tell them you have only so much that you pay and see if they agree to take that as a payment and close the account.

I am sure people with more knowledge will know how to deal with taxes. All the best, hope everything works out for you.