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okay i'm thinking about going bankrupt because i owe some money to a few different things. my problem is i have 2 credit cards and i owe money to a bank and they have all gone to a collection agency. can i still go bankrupt? and if i can what do i need and how much money will it cost. i live in New Jersey if that matters. also i heard you have to be in a certain amount of dept to even qualify if that is true how much? thank you.
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