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Idk. I had a roommate file chapter 13 and he continued to spend all of his money on whatever he wanted. I think they just take x amount per month to pay back debts. None of the carries I use for simplified issue ask any questions about bankruptcy. She is prob full of crap.
And to think...just a month ago you were asking about whether or not someone had to be present to take out a life policy and if you had to have their SSN...aren't you cute...anyone taking your advice needs to go ahead and eat a bullet...it would be much less painful.