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Tell the lender: Look, I simply cant pay you and Im considering bankruptcy, says John Ulzheimer, a credit expert who has worked at credit scoring company FICO and credit bureau Equifax. The minute you start using the BK word, they get real serious, because BK means they get nothing. Get any agreement in writing, and make sure the cash advance calexico states that your balance will be reduced to zero.
In official terms, you want the debt exhausted.
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