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Bankruptcy is a legal process that is used to discharge or reorganize debts. It’s most commonly used by those who are no longer able to pay their debts.
Creditors have several options for collecting unsecured debts, such as personal loans, credit cards, medical debts and utility bills. If calling is ineffective, they send letters and…
Most debts fall into one of two categories: secured debts and unsecured debts. Secured debts are backed by some form of collateral, such as vehicle or house.