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Bankruptcy was the only option for me, too, after some bad decisions with credit cards and an unexpected illness. Next year will mark the seventh year since I filed, and though it's almost killed me at times, I've managed to avoid going back into credit card debt. I'm not proud that I had to take bankruptcy, but I'm so glad the option was there when I needed it. I'm not thrilled about the new laws that try to make it so much harder for people to file.
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