The document discusses a husband's poor credit history from 2008-2009, including a vehicle repossession and credit card default totaling a few hundred dollars, which has lowered his credit score to the low 400s. The document asks whether filing for bankruptcy would be a wise decision given this credit situation and history.

1. Husband has poor credit?
Okay so I'm going to try and make this as short as I can. So anyway, in 2008 my
husband had a repossession on a vehicle. And in 2009 he had a credit card that
was defaulted. Over all the credit is only a few hundred dollars. But the reposs
ession is a lot. His score is in the low 400's. Well today we were discussing ab
out him filing bankruptcy. But we're unsure if it's wise or not. From what I've