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Bankruptcy is not something that should be entered into just for the heck of it. Very often there are intelligent alternatives that may produce a far better result than going into bankruptcy.
Bankruptcy also goes on your credit records, and may make it difficult to obtain new credit for years.
Before anyone files for bankruptcy he or she should consult with a bankruptcy lawyer. There are critically important issues as to timing and disclosure that you had better address before, not after, you file for bankruptcy.
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