If you can not afford to repay all your debts, you should consider bankruptcy.
No one wants to go bankrupt. But if you may have to in the next year or two, you should talk to an attorney now. A lawyer can do the most good for you now - before your home is foreclosed on and before your wages are garnished.
Your right to file bankruptcy is engrained in the U.S. Constitution.
Our country's founders realized sometime people get in debt over their head and they wanted to provide them with a "fresh start."
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