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Declaring bankruptcy will fuck up your credit for life. I have friends who work in big banks (UBS, RBS, etc.) and I've heard it from other people. People say it comes off your credit report after 7 or 10 years, it might even be off the copy you get, but the reality is that it's there forever and nothing short of nuclear war is going to take it off. You will never be able to get an affordable mortgage, you will never be able to get an affordable car loan, you get the idea.
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