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Itís been 7 years now since that fateful day in court, when my slate was wiped clean. As relieved as I felt for no longer having to deal with insurmountable task of paying bills I could no longer afford to pay, I didnít feel very good about myself, and still donít.
They say that a bankruptcy stays on your record for 10 years so I have 3 more years to go. In meantime Iím getting married soon, so how do I tell my wife-to-be that we canít buy a house just yet? We have to wait three years.
No, I havenít told her yet. Iím too ashamed.
That's why I started http://debtrelief1.info to let people know that there are alternatives. Hopefully, people will learn from my mistakes and think long and hard before deciding that bankruptcy is answer.
In my opinion, it's a bad decision and a short-term fix to a more serious problem. In end, you still end up paying your debts in form of internal strife, external perceptions, and higher interest rates.
Eric Chavez is an author, and researcher in the field of credit counseling, and debt relief. He enjoys helping others overcome the stigma of bankruptcy, and turn their lives right side up again. Visit his website, http://debtrelief1.info for more information.