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My girlfriend filed chp 7 recently (debt she racked up with the help of her ex before we met). It was quick and easy. She paid $650 total for a lawyer and the fees. She was worried about her good credit, but what the fuck is good credit if you are in over your head? Good credit is not feeding you. She is debt free, no more phone calls or letters from creditors, no more stress. Do it now before the new laws. Search google for credit boards or credit forum. Good luck.
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