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Gypsydusk

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How can I file for Chapter 128?
I'm looking to wipe out my debt completely with debt consolidation and management. Would it be prudent to file for Chapter 128?

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For individuals;  Chaper 7 is the elimination of debts while Chapter 11 is a reorganization and consolidation.  A bankruptcy stays on your credit report for seven to ten years.  A few posters on this site recommend Dave Ramsey's repayment approach. Please research other options.

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