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Why do you suggest bankruptcy for accounts that are all current/ no missed or late payments?
you have suggested bankruptcy to me as a recommendation for acct.s that are paid off, current for the ones that are active, and show 37 missed /late payments on a house I would have lost longer before they let anyone get that far behind in paying? I understand the credit utilization part, but if you take all my payments and add the together the subtract the from income, I am @ 17% debt to income??? WTF Do you NOT KNOW WHAT YOU ARE TALKING ABOUT OR WHAT?

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