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When you opt to file for for bankruptcy, it isn't a walk-in-the-park. You can't just say "I wish to do it" and have it be applied. In fact, some filings are dismissed because however deemed abusive by the courts. Surely debt settlement will to not have you living debt-free overnight either, but the process is often quicker and fewer stressful. When you're seek professional help, you hire a debt settlement company. They the negotiating with your creditors for you; you don't even might want to speak to your credit card
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