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You have the power to negotiate with your creditors. I would advise avoiding bankruptcy. If the creditors won't negotiate with you then try credit counseling, they will negotiate for you. If that fails then do what you have to do, but do it soon because the bankruptcy laws will be changing. If you file bankruptcy, then you will find that you will be paying high interest rates on any credit you obtain, and you will have a hard time getting credit from anyone.
Hiedi
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