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[Music] welcome back to start with nat with myself natalia where we practice all things entrepreneurship with the heavy emphasis right now on corporate and business credit we are also just recently launched a series on personal credit and today is going to continue with that series and were going to discuss how to remove bankruptcies chapter 7 11 or 13. it doesnt matter which one were going to discuss the entire process on how to get those removed of course within reason because they are public record and im not one to believe that any bankruptcy can be removed if you just discharged yesterday or 30 days ago i find it very challenging to get it removed not saying that it cannot be done because it can but we are going to start with the ones that are at least maybe a year old minimum and were going to talk about getting those removed and some of the older ones three years five years you know some of them are seven years ten years old and although they are supposed to be removed they