Know Who Owns Your Debt
It will cost you several thousand dollars to file bankruptcy, so why would you jeopardize the success of your bankruptcy to save $50? A good 3 source credit report will cost you about $30 to $50; not much money compared to the $306 chapter 7 filing fee or several hundred dollar attorney fee. By obtaining a 3 source credit report you will know who owns your debt, how much you owe them, and the last 4 digits of the account number relating to each debt. If you look at Schedule F you will understand that this information is incredibly helpful.
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