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Be sure to weigh all of your options before deciding to file for personal bankruptcy. For example, consumer credit counseling programs can help if your debt isn’t too large. It is sometimes possible to negotiate smaller payment by yourself. If you do this, make sure you save a written record of debt modifications that are negotiated.
Personal bankruptcy law allows, in certain jurisdictions, an individual to be declared bankrupt. Virtually every country with a modern legal system features some form of debt relief for individuals. Personal bankruptcy is distinguished from corporate bankruptcy.
Review the attorney’s website to find out where he or she went to school, how long they’ve has been practicing in the field of bankruptcy law, and how big or small a support staff/office the.
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If filing for personal bankruptcy is on your radar, continue paying whatever bills you can to stay within the law. Prioritize bill payments with the help of this list: Rent (unless you plan to move) Utilities. Car (if you want to keep it) Mortgage (if you want to keep your home) fines. child support and spousal support.
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