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BKsy doenst wipe the slate clean, right? isnt, it more of a breathingroom/type of gameplan? the money is still owed? sorry, i dont know much about this. but it gets the creditors off your back.
i would fight and claw to get out of the situation. if you hate your roommate, find another one. get a second job, unload the 911, get a beater 2k car. what is the magnitude of debt? 10's of thousands? 100's of thousands?
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poof! gone
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