How to begin the bankruptcy process

How to begin the bankruptcy process Hello fellow Redditors! Like many of you, I have tried for years (close to a decade) to break even, and I have never made it. I’m closing in on 40 years old and I’m tired of it. I would rather take the 7 year hit on my record than to continue on like this. My credit has gone to shit, so that won’t matter anyway. I’m not married, don’t have kids...

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