Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - BankruptcyCredit question....help!? - I really need an experienced answer! I have a credit card collector after me to pay $8,000. I was just recently served with a lawsuit summons (but not to appear in court, just that I need to send a written response within 20 days or they can garnish my wages), so I was thinking about claiming bankruptcy the last few months because I have other credit cards in collections, and now I want to.