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Okay well I have credit problems and I have creditors calling leaving messages etc. And I have spoken to a few but they are so mean so im trying to work with them. My credit is so bad that im thinking about the big "B" yes Bankrupt. but alot of my friends are telling me not to go that route. Well to finally get to the questions, I have been to court for a settlement for a past due credit card and
Bankrupt credit problems creditors calling court jail 
