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[Music] thank you [Music] hey you guys its Rose and Im back with another video please make sure you stay tuned to the end because I have a free bankruptcy sample letter for you guys make sure you stay to the end to get more details on what you need to do to get it so today is all about bankruptcies I get a lot of questions about these should I file bankruptcy whats the process what do I do after Ive been in one do I have to wait till its discharged can I start with the disputing process while Im actually in it so Im going to break everything down for you guys from the very beginning first and foremost answering the first question when should you file bankruptcy in my opinion you should only file bankruptcy when you are trying to save an asset whether it be your home something related to your business because what happens is when you file a bankruptcy every account that you want to add in that said bankruptcy is going to reflect that its been added on your credit report but they