help you create a budget, and provide advice on managing your debts. If it appears you may be headed towards a default, a creditor may require you to do counseling in exchange for more favorable debt terms.
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Bankruptcy is a legal proceeding that can help businesses or individuals repay or settle debts. The very word may conjure up negative connotations -- and for good reason. The decision to declare bankruptcy can offer financial relief, but it will also follow you or your business around for many...