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You Can Avoid Bankruptcy
Your debts are piled up to an extent that you can't see past them. Your view into your financial future is blocked by your unpromising present. You're feeling hopeless and helpless. Well, don't despair. There is hope and there is help.

If you are considering bankruptcy, then your debts have not had the attention they needed. It could be due to many factors - e.g., medical emergency, divorce. Regardless, you need to look at this as an opportunity to get your financial life in order.
You will need to address several specifics in order to get a grasp on your debt and forego bankruptcy. Complete the checklist and subsequent activity below to get started:

* Do a budget. If you don't already have one set up, you need to do one now. Make note of all your expenses and income from the 1st to the 31st of the month. Put it all in one place, whether you put it in Excel, Microsoft Money, Quicken or some other software. Make sure you keep expenses separate from income. Note the amount you have left over.

* Obtain a copy of your credit report. All three major credit reporting agencies ... more

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