Debt Management – This is one of a number of debt-relief applications That may make it probable in order to avoid filing bankruptcy.You will not lose the tax refund to the extent that you can declare an exemption for it. California has two sets of exemptions. Which you will need to use relies upon upon the equity in your home. Should you have li

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Phase three – Get Credit Counseling – All individuals who are planning to file a Chapter 7 or Chapter 13 particular bankruptcy are required to accomplish a pre-bankruptcy credit history counseling course in just 6 months ahead of filing for bankruptcy. The agency might put together a personal debt repayment prepare.Filing the petition below cha

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