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Ashleyannworden

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How can I file for bankruptcy
I wanna file for bankruptcy. But I don't know if I have to have a lot of debt I want to start over and start new with a clean slate that's why I'm asking thank you

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Bankruptcy to 'start over with a clean slate' is foolish because bankrujptcy ruins your credit for ten years and you have to totally rebuild.  OR, you can let the debts age out and they will drop off in 7 years, though you will have to deal with debt collectors and possible lawsuits. OR, you can learn about credit by reading the articles here and learn much needed skills in repaying debts.  Add in the information from Dave Ramsey's site and you will have the control needed to resolve your debts without resorting to bankruptcy.

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A dissenting opinion...

Each person's financial situation is different. Note that bankruptcies can last either 7 years (Chapter 13), or 10 (Chapter 7), depending on which bankruptcy you get. 
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Your first step is to figure out how much debt you have. Check your credit reports here, or better yet, get all three reports for free (you can do this once a year) by going to annualcreditreport.com and getting all of them. These will list all of your debts - current and past.

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Total them all up, and compare against your debts. If you can manage it, you can work out a way to pay down the debts without bankruptcy. If the debts (not counting mortgage or auto) are at least 1.5-2x your annual salary, you may want to at least talk with a bankruptcy lawyer. 

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Nearly all bankruptcy lawyers have a free initial consultation, so if your debts are massive, it would be worth your time to talk to at least two of them (and bring copies of your credit reports along so they can see what you have and help lay out your debt/income ratio, etc). They can best help you decide whether or not bankruptcy is doable for you. Note that you should get at least 2-3 different opinions before deciding, though.

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