WTF is thanksgiving ? <| sep |> It ' s like last friday all over again , I swear I managed to go back home . <| sep |> What kind of free things are there to do in your town ? <| sep |> I ' ve had this since I was young and if my doctor ' s been seeing that part of me for at least 8 years and hasn ' t said anything , i think its pretty fine . <| sep |> Your credit reportscore is the least of your worries . Once a plaintiff has a court judgment they can garnish your bank accounts and wages . Depending on the state , judgments can often be good for about 10 years and often can be renewed for much longer I don ' t know about NY . This has nothing to do with your credit reportscore . Only a bankruptcy attorney can advise you if bankruptcy would be a good option given the totality of your financial situation .