It’s so hard for me to pay back all my dept and raise my score even with a secured credit card or regular credit card .... Should I just file bankruptcy
declaring Bankruptcy is a very drastic and expensive step and one that will further limit your ability to improve your credit score. Obtaining credit gets even harder, not easier
a few suggestions
a- many communities have non-profit organizations that help people through credit challenges. check the local library for names of organizations
b - talk to a Bankruptcy attorney and determine if that path is the right one.