Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Unemployment for 9 months, bad credit as a result in late payments, should i file bankruptcy or dispute with .? - I have been unemployed for 9 months with bad credit as a resultof late payment. Should i file chapter 7 b/c I currently have no assets or dispute with my creditors to have some things removed from my credit report to improve my score? I am only 21yrs old and in need of a car and I am trying to straighten things up. Please help! -