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In a recent article,  Bankrate.com lists the top 10 causes of debt:
http://www.bankrate.com/finance/debt/top-10-causes-of-debt-1.aspx
If you live in Kentucky, and are facing what you think is insurmountable debt, we would be happy to discuss the option of bankruptcy with you.  You can reach our office at johnrogers@glasgow-ky.com or toll free at 1-888-651-9353 or visit our website at www.bankruptcy.com