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  1. Of the many reasons people are wary of filing for bankruptcy, one of the biggest is the affect is has on a person’s credit score. It stands to reason that creditors aren’t exactly excited at the prospect of lending to an individual who has recently filed for bankruptcy. In a way this is a good thing. It prevents many people who are just looking for an easy way out of debt from filing for bankruptcy. For those who have exhausted all of their other options however, and bankruptcy is a last resort, the idea of starting over with a poor credit score is pretty frightening. Rather than putting off b