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To qualify for this type of bankruptcy, your income has to be low enough to pass the bankruptcy means test, which is a formula intended to keep those with higher incomes from filing for Chapter 7 when they should be filing for Chapter 13. While Trans Union may show a score of 650, Equifax may show another of 640. If you inspect the houses once prior to making the final decision there is nothing better to it.  My blog ...  http://www.repoxr.com