A credit sweep is the route you would take instead of filing for bankruptcy this way does not hurt your credit account, and it gives you open access to boost your credit by adding a builders account or tradelines . A credit sweep would remove everything from all 3 credit bureaus that would include closed account, open accounts, public records, hard inquiries , collections. Everything will be removed for  a one time fee once everything is removed then you will have a thin profile and no score , and in order to achieve that you would need to add tradelines or a builders account or both.