I'm 22 years old and owe about 33000 in debt, should I file for ...

By hirby

You are worried about your credit score and how a bankruptcy will effect it. Too late. You already have debts charged off and in collection, with several more on the way. You credit is already ruined, so why are you worrying about that? It's already ruined! ... First off take out all your credit cards and separate the store and gas cards…..get a pair of scissors and cut them up the interest rates are high on those than a regular credit card. Next thing you want to do is ...

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