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[Melos]

Chapter 7 bankruptcy, which is total dismissal of all your debts (as opposed to Chapter 13 which is devising a reduced amount payment plan) has gotten more difficult to file, but it is not gone. Basically, you will only be able to get rid of all your debts if you are living well under the average income for the state you are living in and have less than $100 of disposable income per month.