BANKRUPTCY

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            Bankruptcy is your most powerful tool.  Sometimes creditors will work well with you on the mere threat that you may file a bankruptcy.  If they choose not to work with you and you file a bankruptcy, often the creditors get nothing and the debt gets wiped out. 

When you file bankruptcy, you risk losing some of your assets in exchange for a fresh start.  If you fill out the form below and return it, I should be able to give you a better idea of what assets you will likely be able to keep.