>The bankruptcy question is difficult. Really, going bankrupt has little downside if you are already>irresponsible. You get to walk away from your high debt with your car and house. The rest of us>get to pay for it with high interest rates. This is unfortunately far too common. A friend of mine did it not long ago and he thought it was the best thing going. His credit was already beyond horrible, he didn't notice a difference other than his creditors didn't bother him anymore.
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