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I like the idea of putting the attorney on the list of creditors... Anyway, a good attorney is typically needed. NOT one of those turn the crank shops that advertise on TV. That's just my opinion. I'm not an attorney. Exception would be -- if you have a very simple well defined brankrupcy.
Actually, $30K of credit card debt doesn't sound bad. You didn't say you were behind yet. So you go late, regroup, get a job maybe.
Good luck to ya.
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