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Bankruptcy is a time honored practice that affords honest debtors the opportunity for a fresh start.  Everyone filing bankruptcy has experienced financial problems beyond his or her control.  The court, trustees, and your attorney, understand this and if you comply with their instructions, they will help you out of your financial crisis.  In order to help you get the relief to which you are entitled, you must make full disclosure of all your financial affairs.  Do not try to second-guess the system – it has been here longer than you !