| If you have no money to pay creditors, and won't be getting any, as far behind as you are, you're looking at a repo on the car and probably forclosure on the house if you can't get caught up. Bankruptcy IS an option and will stop repo's and forclosures - at least temporarily. I suggest you start calling a few bankrutpcy attornies ASAP, most give free consultations.
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"Knowledge is Power - use it as you see fit !
I am not a lawyer or a member of the legal profession. My advice is based on research and experience, my own and others, some who practice law. You decide for yourself what actions you do or do not take from my advice.
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