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When you opt to apply for bankruptcy, it isn't a picnic. You can't just say "I wish to do it" and make it be worked tirelessly on. In fact, some filings are dismissed because they are deemed abusive by the courts. Of course debt settlement will donrrrt you have you living debt-free overnight either, but the process commonly quicker and much less stressful. However seek professional help, you hire a debt settlement company. They do the negotiating with your creditors for you; you don't even decide to speak to your credit ca
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