If you have more bills than you can pay and your credit score is below 600 or on its way in that direction, nothing beats the results that come from filing bankruptcy.

Why? Because filing bankruptcy is:

(1) The only thing that lets you get rid of debt without paying it, and

(2) The only thing that puts you “in charge”, instead of your creditors.

(3) The first step in getting back to a credit score of 720 or even higher.

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