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I claimed bankruptcy twice. Now I have 3 major credit cards with lines up credit up to 20 grand each and I pay each one off every month so I have no carry over and never even come close to the credit line.
Best thing pay all your expenditures as soon as possible (immediately) and total calculate any major assets you purchase making sure you gain from devaluation as you pay off the large asset debts.
Don't get sucked into thinking things are okay when everything appears to be good (on paper and otherwise) because numbers change over night.
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