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Qualify for chapter 7?

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debts

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I have been trying to get out of debts for 7 years and nothing seems to work. Currently I make about $60,000/year, married with no kids, no property except my car to work. I own about $24,000 on my student loans and another $29,000 just from my %19.9 interest rate credit cards. I am desperately need help to be out of debts, can someone give me some advice? From reading about all this for 1 hour, I think Bankcruptcy Chapter 7 is the cleanest way that can help me to start out fresh, should I be thinking of it or shouldn't I? Thank you in advance for all your advice.
 



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