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Mperal1

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*** can I pay off my debts or file bankruptcy ?

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Since you are asking that question, you have not taken advantage of the valuable credit education provided on this site or else you would already know that bankruptcy totals your credit for ten years and some debts can't be discharged in bankruptcy.  So, I suggest you do as I did and read the information here.  I made the needed changes and now enjoy an excellent credit score.

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