How long will it bring? I was forced to wallet bankruptcy 8 years ago, consequently bought a

I was forced to wallet bankruptcy 8 years ago, consequently bought a car, that fell apart, and tolerate go rear. I bought a house last year, get sick, and had an amputation of my leg. I presently have a repo, and a ruin on my credit reports. I have some small dr. bills that immediately show up too. The repo has be sold to a collector, and now that statement shows up on my report. I since have 4 pd. past its sell-by date cars, and some other accounts that are pd. as agreed. My mortgage shows 4 late pays over the end year, because of me not working and individual in the hospital for the amputation. The lender have reworked my loan, and now shows current. My press is would I be better off to record chapter 7 again, or just keep on it out? Seems like we will never get hold of our scores up!

Answers:
I one-sidedly think it would be better to try to work things out beside your collectors...you have be thru chpater 7 once so you know how difficut it is to rebound. Not dream of how the next few years of your time will be having 2 bankruptcy on your record (the 1st won't tip out off for another 2 years). If your mortgage is current later I would try to get by for at lowest 2 more years until you can get the 1st collapse off your history before you report again.

As for clearing up the medical bills, start asking the collectors for debt validation, this is a stop gap, but if they cannot provide debt validation afterwards you are not legally required to settle up the debt.

http://www.creditinfocenter.com/rebuild/...

I agree with SCH.