Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Should I consider filing for Bankruptcy? - My credit is awful. I've been unemployed for close to 2 years now, it's been so hard finding any work. I was already sent to a collection agency, got out of that than recently was offered a lowered interest rate but that's now gone too and my account is sent back to a collector again.

I don't own any other accounts just this one credit card, but my balance is over 9k.

Should I be considering filing for bankruptcy? -