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underwaterinatl

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how bad is filing for bankruptcy
I have a recent car repossession, credit card debt, and a personal loan

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It’s nowhere near as bad as racking up late entries and other derogatory entries on your credit reports for the next umpteen years...those stop when you file and if you learn your lesson after you get your bankruptcy discharge your credit will rebound nicely.

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A Chapter 13 hurts for 7 years, a Chapter 7 totals your credit for ten.  As for the advisability,onlya bankruptcy attorney can do that. 

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