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I also thought that if you declared bankruptcy that there is the chance that the court might institute a payment plan for your debt.. so for instance, you might end up with a court order to pay the creditors $20 a month, which is going to mean that each month you have $20 less.. but also ensures that each month there is contact made and the 7 year count doesn't start.
The 7 years sounds a bit like a unicorn.
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