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Bankruptcy

Bankruptcy is a legal way to get rid of most of your current debt, stop harassment from creditors, and start fresh.

It is a federal court procedure. You will file documents with the bankruptcy court and wait for their approval. Then, you will either have debts dismissed or agree to a repayment plan.

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State Debt Exemptions & Important Laws

To learn about your state's exemptions, and how to file bankruptcy, click on your state below.

Pursue Debt Relief Instead of Bankruptcy

You may be able to use informal debt relief actions. These typically include negotiating with creditors or lenders and reaching a non-bankruptcy "debt workout" agreement.

Next Steps:

Contact a qualified estate planning attorney to find out your options for navigating the best path forward.

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