A single or married couple can file a Chapter 7 bankruptcy and dump their debt and keep their stuff.  If you cannot pay your bills, then you  can get immediate relief.  Stop garnishments, seizures, harassment.   Bankruptcy is your constitutional right.   The founding fathers hated the dreaded debtors’ prisons and made sure that citizens could get a fresh start.

 

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debtors prison in america

The following video the U.S. Courts is a good, simple, explanation of Chapter 7 and Chapter 13.