Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Unsecured debt up to my eyeballs! Does it get better.? - Im in debt with credit cards about 35,000 after i lost half of my income over a year ago i stopped making credit payments all together could not afford to live let alone pay a credit bill. I know after 7 years it drops off but will i be able to rebuild my credit score? Its a 509 right now and only going lower by the month :( Im still young but i do want the american dream when im older. And i know i cannot do this without a good credit score. Cant afford credit consolidation and i don't know if bankruptcy is right for me. Can someone help me??? -