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An excellent blog post by Bankruptcy Attorney Dana Wilkinson:
http://www.bankruptcylawnetwork.com/2009/09/14/how-to-avoid-bankruptcy-myths-and-get-solid-information/
In my practice, I have found that the amount of inaccurate information that clients are told before coming to see me is astounding.  If you are considering bankruptcy, it is always critically  important to discuss your situation with a qualified bankruptcy attorney before taking any financial steps.