Once upon a time, I was debt free. It was about ten years ago, I was 24 and I filed Chapter 7 bankruptcy. I had accumulated quite the pile of consumer debt and was struggling to pay it all off. I didn’t make a lot of money and was beginning to feel extremely overwhelmed. Someone gave me some advice (later, I determined it to be bad advice) and they suggested I file Bankruptcy. So I did. A couple of months later all I had was my school loans. It felt great to be free of credit card debt. I...
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