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Rather than have bankrupties on your report, explore other options for getting debt free. If you own your own home and have equity, consider a debt loan consolidation with the house as collateral. Now you should only do this if you have are secure in your employment. You don't wish to put your family house in jeopardy. By using your home to secure a consolidation loan, you most likely are able to deduct the interest rate payments with regards to your income cash.
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