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I went and did the debt consolidation just 2 months ago. It only saved me $30 a month now we are thinking about chapter 7 because it just isnt working. Does this have any negative effects for me filing?
When I was thinking about my options I called a couple of these places. After talking to them and they told me I'd have to pay 1k a month..I said are you kidding me? Your not saying me sh-t!! That made my mind up its BK or leave the country..
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