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dead09

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i need help with deciding on bankruptcy. my credit keeps getting worse instead of better

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Bankruptcy isn't a help, either, in most cases.  It will hurt your credit for at least 10 years.  If you are having problems repaying bills,search for Dave Ramsey's site and learn effective wasys to get debt under control.  Re-read the articles here so you can review how credit works.  That may help you get a better handle on things.

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