Some people come to see their income tax refunds as a yearly bonus. In reality these refunds are usually caused by a taxpayer having paid too much in taxes during the past year. Sometimes people have even come to rely upon these refunds for planned yearly spending to catch up on bills, go on vacation,…

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The idea of bankruptcy has been around for a very long time. The basic idea of how bankruptcy works has been around as long as history itself you can even read about the concept of bankruptcy in the Bible.  So its not surprising that millions of Americans file for bankruptcy protection every year.  This idea…

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