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No. If you're able to manage to pay back your debts outside of bankruptcy, it's a smart idea to do so. Even so, When your debts are substantially much more than your assets and income, bankruptcy may be your best possibility. Connect with us at (877) 649-6249 for assistance. Legal professional ADVERTISEMENT: This percentage of the LegalZoom Internet site is really an advertisement. This percentage of the LegalZoom Internet site is not really a lawyer referral service. LegalZoom does not endorse or suggest any lawyer or regulation organization who advertises on our web-site.