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General Discussions
The Watercooler
advise about bankruptcy
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<blockquote data-quote="klmno" data-source="post: 367225" data-attributes="member: 3699"><p>There's a Ch 13 and a Ch 7. One is where you pay back a certain amount, monthly, for several years. While it makes your creditors happy, it actually doesn't do as much for you in other ways. The other type wipes out your debt. You would need to talk to an attny in your state- it costs to file and the cost depends on the specific debt you have and costs of fees in your area. You're better off talking to an attny earlier rather than latere to find out the details, even if you decide to wait a while longer to file.</p></blockquote><p></p>
[QUOTE="klmno, post: 367225, member: 3699"] There's a Ch 13 and a Ch 7. One is where you pay back a certain amount, monthly, for several years. While it makes your creditors happy, it actually doesn't do as much for you in other ways. The other type wipes out your debt. You would need to talk to an attny in your state- it costs to file and the cost depends on the specific debt you have and costs of fees in your area. You're better off talking to an attny earlier rather than latere to find out the details, even if you decide to wait a while longer to file. [/QUOTE]
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