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Consumer debt is at an all-time high.
Whether your debt dilemma is the result of an illness, unemployment, or simply overspending, it can seem overwhelming. In your effort to get solvent, be on the alert for advertisements that offer seemingly quick fixes. And although bankruptcy is one option to deal with financial problems, it's generally considered the option of last resort. A bankruptcy stays on your credit report for 10 years, and can hinder your ability to get credit, a job, insurance, or even a place to live. By using the protection and assistance provided by federal law.