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  Our choices provide more effective credit relief than consolidating your debt.

Bankruptcy

With the new laws that were passed in 2006 it is very difficult to file bankruptcy. Some people will try to tell you it will be on your credit report for 7-10 years, it generally effects you forever. Bankruptcy is a permanent decision that should only be considered as an absolute last resort to solving your debt matters.

Chapter 13 still requires you to repay your debt along with attorney fees. It also has the same effects on your credit and you must make all your payments through the court system.

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