If the only income you receive is SSI and medicaid benefits then it is my understanding that you are judgement proof, meaning that any judgement obtained by a creditor would be worthless as SSI benefits and Medicaid benefits are protected from judgements.  But it really seems here that you may want peace of mind and you want to rebuild your credit.  Then bankruptcy may in fact be an option for you here.  Remember, though, that the bankruptcy will stay on your credit report for many years and you will need to find someone to lend to you for the car with this in mind.  It may be tough but it may not be impossible.  Good luck.