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A lot of people today have sunk into the debt trap. They are hounded by creditors and collection agencies, and their bills show no sign of slowing down. If you have been going through this for a while, you might want to consider filing for bankruptcy. To find out if filing for personal bankruptcy is the right thing for you to do, read on. Before you file for bankruptcy, carefully consider if it is the right option for you. It is possible to take advantage of other options, like consumer credit counseling. Bankruptcy permanently affects your credit, so avoid filing until you have exhausted all of your other options. It is essential when going through bankruptcy that all of your income and assets are reported openly and honestly. Resisting the temptation to hide income or valuable assets from the bankruptcy trustee is a smart way to avoid potential complications, penalties, and the possibility of being barred from re-filing in the future. After filing for bankruptcy, you cou

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