No Abnormal Transactions — Don’t stray through the schedule. Don’t transfer titles of cars or properties. Don’t invest in luxurious items. Don’t transfer your organization or remove your title from it. Each of these activities might be categorized as frau

Generally, you can't wipe out student personal loan personal debt in bankruptcy. But there's an exception when you file a independent lawsuit called an "adversary proceeding" and demonstrate that it would be an "undue hardship" that you should repay the loans.

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