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If you want to file bankruptcy, do it soon.
On October 17, the new bankruptcy law will go into effect, making it more expensive and difficult for debtors to take advantage of the "fresh start" bankruptcy provides.
You can read about it here.
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A hiney bird is a bird that flies in perfectly executed, concentric circles until it eventually flies up its own behind and poof! disappears forever....
-Ken Harrelson
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