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Usually the ads notice for credit help are from attorneys yearn to an individual file for bankruptcy. These lawyers usually make a first-class deal of cash from bankruptcy filings so of course they will encourage in which file. However, is bankruptcy your only option? Unfortunately the attorneys will have you believe right now there is few others way aside. By filing you will 'start fresh' and possess the ability to breathe easy for a second time. The headlines in the Albuquerque Journal dated March 9, 2009 reads