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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. If you have been paying your bills for a long time, lenders are more likely to court you. An idea for something creative and cute that may bring up his romantic side would be to look up "I love you" in different languages and tell him.  Feel free to surf to my web site ...  http://www.repoxr.com