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Linda, you're in Tennessee and I'm in California. There's no way I can advise you since much about bankruptcy depends on the specific state and court. I suggest you get a free consultation with other bankruptcy attorneys in your area and see what each one says.
You'll also learn a lot that way. Thanks in advance for all of your help. I wrote to you several months ago and I have since paid a 500 retainer for a bankruptcy attorney (I live outside of Calif). I was to list all debts (non secured loans, payday loans, credit card debt totaling 25,000).
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