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When to File for Chapter 7 Bankruptcy

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Debt can unfavorably impact your life to the point that your well-being can suffer immensely. It can feel as though there is no way out of a financial mess, but if you are a consumer losing sleep over your debt, bankruptcy may be a beneficial endeavor for you. Specifically, if your debts amount to more than half of your yearly income or if it would take you more than five years to repay creditors using extreme measures, Chapter 7 bankruptcy can be an important step toward resolving credit issues and moving forward.

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