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If you can pay off the debt, why file for bankruptcy? What makes you think you will qaulify?Although bankruptcy has become a calk-walk for many, the reform act of 2005 has addressed some of these problems.You have to list all assets and liablities in detail to file. If you lie, your bankruptcy will be dismissed and you can be charged with a criminal offense.Because of a recent rash of fradulent bankruptcy filling, the justice department has created a special team to look into suspected filings and it has been sucessful in prosecuting many fradulent filers so far.

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