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Bankruptcy is much like childbirth, a divorce, your first week away from home at college, or a soldier's first real combat situation. You can probably imagine what it might be like. You can read or do research to get a mental picture about what it could be like. But - you cannot "feel" or "live" the experience until you actually do it. Bankruptcy is a financial decision that also brings emotional issues along with it. However, it can be a useful tool to eliminate "financial baggage" that negatively affects your life every day. It will give you a "fresh start" on the rest of your financial and personal life!