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Bankruptcy may be right for you if:
You have considerable consumer debt (i.e. credit card debt, loans,
medical bills, etc.) and can only afford to make the minimum payments
or no payment at all.
You are facing home foreclosure and cannot keep up with your
mortgage payments.
You have judgments arising from lawsuits entered against you.
You are in danger of having your wages garnished.
You are in danger of having your car repossessed.