If they have defaulted and gone to credit collectors, there’s no sense in paying anyone. Her credit score will be bad for 7 years no matter how much you pay anyone.
Its generally easy to get a loan after bankruptcy. They know they have at least 7 years to get their money out of you because you can’t do it again.
The only people you can pay to improve your credit is the creditors.
You cannot repair the credit. You will suffer the same as if you go bankrupt. At least if you go bankrupt, you wipe out the debt.
Peter Frances Geraci says so.