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Americans wait 2 years on average to file bankruptcy

Being in debt is rough under the best circumstances, but when you unexpectedly lose your job or have to deal with a reduction in hours, it is even more difficult. You know that you have an obligation to pay creditors, but you don't have the ability to right now.

What's the difference between debt consolidation and bankruptcy?

It can be quite overwhelming to find yourself with mounting debt. You may find yourself having to choose between two equally unattractive options if you find yourself in this situation. You may have to decide between debt consolidation or filing bankruptcy. There are positives and negatives associated with each. You'll need to carefully weigh your circumstances to make the best choice for you.

What's Your Situation:

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