You would have to locate a lawyer, go to court and that could cost you a lot of your hard earned income. There is also the problem of it being on your credit history for a long time. When you sign any important application or document you will always have to answer yes when asked the question about bankruptcy, so this does have a extremely long lasting effect on your ability to obtain future credit debt settlement is a good thing to be in.

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Tags: bankruptcy, credit debt, credit history, debt settlement, earned income, lawyer