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There is just no easy way to get out of debt, you have to face up to the consequences. A bankruptcy is not always the answer, as the effects are long lasting.

One of the major benefits of filing for protection under Chapter 7 is that many creditors actions are stayed. This means that debt collection efforts and foreclosure is halted.

If you had a problem that's been corrected, and your payments have been on time for a year or more, your credit may be considered satisfactory.

If you have ever paid off a home loan backed by FHA, you may have money owed to you.

A program that provides mortgage insurance for the purchase or refinance of a principal residence that incorporates the cost of energy efficient improvements into the loan.

Many companies will charge a fee for lending you money. The fee is usually a percentage of the loan and is sometimes referred to as "points."