My name is Kerri D, Please can someone pray for my financial situation. Things have improved from a few months ago, but I have bad credit card debts ( $25,000) and i am unsure what to do as they will take me to court if i do not pay them. OR i could go bankrupt but not sure that's the way to go. This all happened because I took ill and had very little income and could no longer keep up the payments. My credit rating before this was excellent. But now all that hard work in keeping a great credit rating is down the drain. God Bless X