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If you live in another state that allows garnishments and the CA has a court order to garnish, BK13 or BK7 may lower or eliminate your payments.
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I'm surprised nothing has happened yet.
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My cc have been delinquent for over a year!
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Did you try to find out what kind of plan your 4th cc might be able to give?
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Socialists make the mistake of confusing individual worth with success.
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