I have a judgement against me . It was in March 2004 for a credit card and a unsurcure loan. I am on disability and can not afford to pay it. . They have already repo a motorcycle that was in my name and belong to my daughter at the time she was under age. I just reeceive a letter stating if I didn't pay by Oct. 26th they were taking me back to court. Im in debt and have no extra money to pay them. Should I file bankrupcy and be done with it. I was going to ask if they would send me a 1099 for the amount and take it off my credit report . Do you have any advice for me?