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Jasonpatterson

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When should I file a chapter 7

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I do not recommend filing bankruptcy unless it is the ultimate, last-ditch, no other choices available alternative and even then, only after consulting with a bankruptcy attorney who may have some great suggestions to help you avoid bankruptcy altogether.  Unpaid bills only hurt for 7 years, but a bankruptcy hurts for at least 10 years.

If you haven't already, search for Dave Ramsey and follow his advice on repaying bills. He is pretty sensible and many have said his ideas work. 

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