It may be time to rip off the bandaids and do something drastic

Judgements can last on your credit report up to 21 years. Late payments, missed payments to creditors can stay on your credit report for a very long time.  I tell my clients, filing Bankruptcy may hurt (your credit) for one year, or two years, but it is like surgery, once it is done you begin to recover.

Sherry Ellis Law, PLLC