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When you opt to file for for bankruptcy, it is not a walk-in-the-park. You can't just say "I wish to do it" and make it be worked tirelessly on. In fact, some filings are dismissed because these people deemed abusive by the courts. Needless to say debt settlement will not need you living debt-free overnight either, however the process generally quicker and less stressful. A person first seek professional help, you hire a debt settleme