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I went through it about 20 years ago - the result of youthful irresponsibility and stupidity. I'd gotten myself so deep in debt that I had no other choice. I went to one of those debt consolidation places and the guy said "You're ****ed, file for bankruptcy." Took a long time to recover, but I've got excellent credit now. IIRC the interest rate on the first car I bought after that was 33%. Ouch.
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