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dandevine

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since I cannot pay all creditors off should I file bankruptcy

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Bankruptcy will hurt your credit for 10 years, and doing so to eliminate "non-secured" debts like credit cards is stupid because those are the debts that have lowest priority for payment in a bankruptcy.  Been there.  Please read the articles on this site so you can learn about credit and what could help.  That is the purpose of this site.

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