Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Should I file for bankruptcy with $14K debt. I have been unemployed for a year and cannot make payments.? - My credit score is already in the low 500's due to default with so many creditors and a court judgement of $8K. I would file Chapter 13 and keep my car, which I owe $24K on. Would bk be a better option than just continiung to juggle what I can and leave so much unpaid? -