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I agree that if you must go through bankruptcy then you should bite the bullet. On that same note it’s not always worth going through an agency for consilidation because they usually will charge a fee for what you can for yourself. For example many people can go to a bank and get there debt consolidated into a single loan therefor paying 5% to 8% interest instead of a higher one on a credit card.
Ravi Gupta recently posted..Not just about money