Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Help with deciding to file bankruptcy or pay off debt? - I owe at least 20 thousand dollars or more in credit.. i have collections calling me daily.. i have 2 girls and one baby girl on the way. Not sure if i should just pay this off slowly i can in like 3 months start paying. I have about 4 credit cards in collections.. Not sure what to on this. should just get some debt counseling. i grew up with a family who always used credit cards and filed bankruptcy twice so as you can see not a good finical environment and i need to learn the basics to get my money straight any tips about this or advice would help.. -