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Rather than have a personal bankruptcy on your own report, explore other methods for getting out of debt. If you own home and have equity, consider a debt loan consolidation with your home as money. Now you should only do this if you are secure in your employment. You do not want to put your family house in danger. By using your home to secure a consolidation loan, you might be able to deduct the interest payments against your income fees. The headlines in the Albuquerque Journal dated March 9, 2009 reads

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