<prompt> Human: I am 23 years old now but when I was 18-21 I got multiple accounts in collections and have over 20 hard inquires. I have a secured credit card and I was doing great with it however I lost my job and Im currently looking for a job. I would like to keep my secured car and get it fixed but is filing bankruptcy viable? If not how can i repair my credit. First things first I need a job, but I also have a wife and a daughter so I just cant use a majority of my money for collections. I understand I got myself into this situation but I realize now I need to fix it and not make the same mistakes I once did.  <response>: No one can give any decent advice with zero financial information from you. 