Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Job fell through. As a single mother I have not paid my credit cards in 2 years.? - I lost my higher paying job 2 years ago. Since then I have not been able to pay my credit cards. They add up to approximately 18,000. I am needing to rent a home/apartment. I have a medium income job. Before looking to rent I am determining if I should file for bankruptcy. I know that I will never be able to pay off my credit cards. Not because I don't want to, but because I support two teenagers and myself. Does terrible credit or bankruptcy last longer on a credit report? What is worse? -