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Realgemini205

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Can I do debt consolidation and Ch. 13

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Check with a bankruptcy attorney on that, but I honestly think it has to be one or the other.  I did a Chapter 13 some years ago and the creditors were paid at a lower rate of interest than had been on the accounts and credit cards were the last in line to receive funds. My car was re-done at book value so I saved a lot of money this way, though bankruptcy is not high on my recommended actions list.

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