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That's true. I should talk to a lawyer. Thank you for responding. I guess I wa avoiding the whole lawyer thing, because that would make it a real problem you know? So I read that link you had and I...

I am so nervous. I have a lot of debt and I don't want to have to file bk. Especially now that laws have changed it makes it more difficult. I am usually a very responsible perosn and I hate the fact...