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it's a trade off bro.... you gotta make the decision which means more to you.... credit re-establishment, or nuking the debt as painlessly as possible.
The credit relief will HELP you... you still pay the debts.
Bankruptcy nukes all the debts (unless they're student/government loans or child support) instantly.... you don't pay back a fucking dime. But your credit is fucked for a decade. (normally less for credit cards.... but fully for things like buying a house)
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SIG TOO BIG
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