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QBankruptcy for someone with no assets and little desire to purchase stuff on credit in the near future?

I have had an extraordinarily bad year: sporadic employment, lost my car in an accident, etc. I am seriously considering filing for Chapter 7. All my credit card accts are closed now and under a debt mgmt company (I did this to lower my rates), but since I have no money coming in, I can't pay them anymore.



I have zero assets to take...my most valuable possession is probably a queen-sized bed. I have no plans to get a mortgage in the next five years, won't need a car if I continue to live in this same city, and have no desire for credit cards. I just want to bring my monthly overhead to something manageable and restart my life. I live pretty modestly...studio apartment, don't go out to eat, don't take fancy vacations, etc.



Is it worth my while to file for bankruptcy? I don't have creditors or collectors after me yet, but unless I find a job in the next month, that will soon be the case.

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