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Your problem won't go away by ignoring it.The longer you go on like this,the longer your credit suffers.If you can't handle the debt,then seek help from a qualified bankruptcy agent.You can find them in your local directory or online.I don't know your location,so it is hard to say where to send you for help.
If you're never going to own anything, then why file? If you attend to get back on your feet, then perhaps bankruptcy is the way. If you file, in most cases, it will be on your credit report for 10 years. It's your choice. Best of luck.
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