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One of the hardest things about the steps right before you file bankruptcy are the harassing phone calls you receive from creditors and those who you owe money too. You know your situation and you do not need them calling and berating you all day long, especially at work.
Bankruptcy law is not something that is easy to navigate through and while you may want to try to file on your own, it is not advised. The reason we say this is because there are many laws you must know and understand to efficiently create a case for yourself and prove that bankruptcy is in your best interest.