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Jazzy8605

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What are options for someone who can't afford bankruptcy but can't afford to pay off debt either?

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You got yourself into debt, so you have to get out of it.  Search for Dave Ramsey's site and get some practical hints on debt repayment.  Sell some things you really no longer need.  Get a second job.  Cut back expenses as much as possible, but pay those bills. And I really suggest reading the articles here so you can understand credit better or you will continue making the mistakes that got you in financial trouble.   

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