Not sure I understand what is going to happan?

[jlwelchffd]

My credit score is 400 and there seems no help with bills. I have no credit cards and no out standing credit bills, but what i do have is alot of hospital bills and utility bills. Also have alot of bad checks and bank fees from 4 years ago. I just moved in to a house that I rent with the option to buy. What my question is after I file chapter 7 do I still have to pay off the people on the credit reports for my credit to go up? Or is really ersaed?

Maybe someone could clear this up for me?

[HHM]

Assuming the debts will be discharged, then you don't have to pay them. Typically, the debts get re-reporated as "discharged in Bankruptcy". And yes, overtime, your credit score will go up. In fact, if you score is that low, I bet your Credit Score will go up as soon as your discharge works its way through the credit reporting system.