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Thanks for answering my questions. Like I said, I kept hearing commercials and was wondering what the 'deal' was with it.
I know when I lost my job, unable to find a new one and had a 198K mortgage, I considered bankruptcy. Sometimes I think I should have gone that route instead I ended up with a foreclosure (but now the state of AZ is actually suing my mortgage company, so that is a whole other thread).
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"Courage is not the absence of fear, but the capacity to act despite our fears" John McCain
No one can make you feel inferior without your consent." Eleanor Roosevelt
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