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Don't get to excited over chapter 7. The Bush adminstration made it increasingly difficult to file chapter 7 and most bankruptcies are now going the route of chapter 13. In chapter 13 you will still have to pay off all your debt. However it will cut off all interest charges and your bills will be combined into one payment with a repayment process of 3-5 years. If you default, the creditors can still come after you I believe, just like your current case. I am not sure, but I have heard if you get layed of during the repayment process you dont have to make your payment, but don't take my word on that.
Heres something that will blow your mind: http://eliminatecreditcarddebt.cc/help/index.shtml
According to this site, all credit card debt is illegal and you can have all your balances zeroed out on the basis it is illegal for credit card companies to charge interests on money that doesn't exist. I really don't care to explain this, just go to the site and check it out. I think ill write a separate post on this and see if anyone else here knows of this.
Also, beware of the internet bankruptcy programs. They can easily sell you the paperwork and sure you can go file. But the judge can throw your case in the trashcan and tell you to get out of his face also.
Heres something that will blow your mind: http://eliminatecreditcarddebt.cc/help/index.shtml
According to this site, all credit card debt is illegal and you can have all your balances zeroed out on the basis it is illegal for credit card companies to charge interests on money that doesn't exist. I really don't care to explain this, just go to the site and check it out. I think ill write a separate post on this and see if anyone else here knows of this.
Also, beware of the internet bankruptcy programs. They can easily sell you the paperwork and sure you can go file. But the judge can throw your case in the trashcan and tell you to get out of his face also.
