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JwardDaniel

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how do i file for bankruptcy?

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You contact a bankruptcy attorney and follow his/her advice to the letter.  Usually the initial consultation is free and the attorney will often provide alternatives to bankruptcy because bankruptcy kills your credit for at least 10 years, where unpaid debts only hurt for 7 years.  Too many people spend themselves into difficulty then seek bankruptcy as a cop-out way to avoid paying their legitimate debts, or they are fool enough to believe they can get a "fresh start.  Bankruptcy is a bad idea, PERIOD.

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