Bankruptcy is a scary word and there are a million assumptions about the process that are just not accurate. For someone in a dire financial situation, the most important thing they need to do is remain calm and learn their options before making any decisions. If you’ve never looked into bankruptcy in a serious way, you may have some preconceived notions that aren’t accurate. People repeat these things so often that many assume the gossip is an accurate representation. And the gossip always makes things more dire than they are in reality.

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