<prompt> Human: Greetings,Ive reached a point where my credit score is 127. The amount I owe is likely over 100k for all my debts consisting of charged off credit cards and medical bills. Im wondering if bankruptcy would be a better option at this point as opposed to trying to rebuild my credit through normal process. Ultimately, my goal is to have it 650 as soon as possible. Bankruptcy wont fall off for 7 years; but Im wondering if it would take me more than 7 years to fix all my current debt. I tried to keep this very simple in the nature of the question - but if more details help the solution, I can provide answers to any relevant questions.  <response>: Lawyer up now. Youre beyond internet help. When the good news is that bankruptcy wont have a huge effect on your credit score, you need some serious help. 