I'm not going to pay it back if I don't have to. But if, God forbid, my sweet father passes within 180 days of filing for backruptcy, we have to pay it back. That's ok. Our credit will be instantly good then and we'll still have some money left over. We need to clear off our debts, no matter what. We waited too long already. Some are so old they have fallen off our credit report, but we have two judgments. One day we may be able to buy something again, even if it's just a mobile home. I don't want any judgments on our home. Judgements never go away.
MWM--
Even if you paid off everything at this moment - your credit would not be "instantly good". Your credit score rises and falls with time. It did not turn "instantly bad" either. And bankruptcy is bankruptcy - you do not choose Chapter 7 vs Chapter 13 based on what will "look good" on your credit report because neither will. Choose the one that works best for you - the heck with your creditors.
After your filing, over time, if you pay all of your bills on time and carry only small debts, you will see your credit score gradually improve.
on the other hand - check with your state's Statute of Limitations on collectible debts. In Wisconsin - the limit is six years
from the date of your last payment. If it's been six years since you paid anything on a debt - they cannot legally go after you for it. So those debts that have already dropped off your credit report? For all practical purposes, they are gone... (yes, morally, you still technically owe - but legally, they cannot sue you.) If the debts are old enough - you may not have to file bankrupt at all.
Some judgments can be erased with bankruptcy if you can prove that paying them is an undue burden (Be sure to check with your lawyer, though - don't take my word for it.) so that alone might make filing worth it for you...
Good luck!