The way to find out your options and which is the best route to go, is to have a consultation with a bankruptcy attorney in your area. Most attorneys offer free initial consultations. I highly suggest taking advantage of that if you are serious about dealing with your financial issues.
Mark J. Markus, Attorney at Law
Handling exclusively bankruptcy law cases in California since 1991.
http://www.bklaw.com/
bankruptcy blog: http://bklaw.com/bankruptcy-blog/
Follow Me on Twitter: @bklawr
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