You can file for bankruptcy, but it will make things a little more difficult for you in the future. I'm in the exact same situation as you, exactly the same.
I'm going through debt settlement, not debt consolidation or debt relief programs, but debt settlement. They can sue you all they want, but if you don't have money, what are they going to take, nothing. And when you do have money, you'll be able to settle all of your debt and even court judgments for a fraction of the balance right now.
When you do have money, you'll hire an attorney and take all of them back to court and get the judgments reversed, because 99.9% of Debt Collectors violate debt collection laws and you can use that against them. Thais is all legal.
My advice to you is, don't file for bankruptcy wait it out, get rid of everything you have that is being financed right now, because bankruptcy court will get them from you anyway, and just live like me, ONLY CASH. You'll have a tough life for the next few years, but you'll be free and clear after wards. Oh yeah, did I mention that as a debt settlement clause when you are settling with them, you can have your creditors erase all bad credit reports from your FICO.
Read my blog, I have allot of useful information on Debt Settlement and Bankruptcy. Click Here!
Look at this video about "Debt Arbitration" You will have to deal with some creditors who will try to take this course.
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