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Are you saying that bankruptcy should be the 'least of my concerns'? I'm not real clear on that point.

Thank you,

Dean


No, worrying about what the bankruptcy judge is going to think should not be a concern. You haven't done anything that would be considered fraud. You stopped using your cards, so there won't be any major purchases just before declaring bankruptcy (if that becomes necessary).

The facts are simple: You were living beyond your means, and have accumulated significant debt for your income. It is a story that the judge has heard many times.
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