<prompt> Human: I owed 6000 to American Express and never paid them and didnt show up for court when they sued me. Would I be in better shape declaring bankruptcy or just paying the debt back? I live in Texas, and havent even talked to the creditors who have called me.On a side note Capital One still sends me offers for a card should I accept this as a means to rebuild my credit?  <response>: Bankruptcy over 6000? You know that destroys your credit for 7 years, right? Im sure you could come up with 6000 in less time than that. 