Dont file....a close friend of mine had credit card debt..he was without employment for awhile..if it goes to a collection agency and gets passed around...sometimes they will cut the original debt...sometimes by as much as half...they are just trying to make some kind of money off of it. They will start making offers to get payment.....I know its a hassle with the phone ringing non stop, but if its not creditors, the solicitors will drive you crazy