Who recovers my past and present accounts so I file for all of them and I can make payments and is this an option?

I'm not sure I understand your question. If you file bankruptcy, who collects your accounts? It depends on a lot of things. You would need to meet face to face with a lawyer. In my office visits, I have about 30 to 40 questions I need to ask before I can guide someone. Anyway, try that route to get the best possible information to help you decide.

You would much benefit from consulting a skilled bankruptcy lawyer. It's almost always worth the investment. If I understand your questions, the answers are that you should list all the claimants who might have claims against you. In chapter 13 bankruptcies you make monthly payments through A trustee for 36 or 60 months. In a Chapter 7, ordinarily, you don't have to pay any trustee or creditor anything. Consult a good bankruptcy lawyer who can advise you in greater detail about how to proceed.

A credit report is needed. In Chapter 7 no payments are typically made. You must pay the filing fee and your attorney in full before your case can be filed.