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It doesn't matter what your credit score is if you are declaring bankruptcy.

**I don't know what I am going to do regarding bankruptcy. My wife is totally against it yet I don't see how we can keep the ship afloat. She is making more income and we are spending less . . . so maybe I was giving up too soon. I don't know. I do not have to teach school this Monday coming up. I will use that day to get some free debt management advice from one of the good, accredited organizations.
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