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Even with sacrifice and struggle, climbing out of debt can be extremely difficult. For many Americans, with the trends in job loss and the recent downturn in the economy, the task may even be impossible. 

Bankruptcy is a legal process designed to give honest but unfortunate people a “discharge” from their dischargeable debts. The principal policy behind bankruptcy is to give people a “fresh start” when they can’t pay their bills. Also, filing bankruptcy may halt the following: creditor harassment, foreclosure, repossession, and IRS seizures.

Bankruptcy should not be taken lightly. It is a personal decision, not a legal decision, and will adversely affect your credit. For example, you may be restricted from obtaining credit in the future. Most bankruptcy debtors get to keep all of their assets, but if you have non-exempt property, you could lose your “non-exempt property.” Bankruptcy lawyers charge fees to file for bankruptcy. These factors should be carefully weighed against the benefits of bankruptcy before filing. 


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