Rip of for sure . Nobody but the debt counselor wins. My suggestion is much more practical.
Sell of every thing of value . House and vehicle all furniture. any thing you can turn in to cash. buy kruger rands . Get a deposit box on a assumed name. Nobody must be able to trace the transaction.
Then have your self sequestrated.
Then live with in your means with out credit.
Up yours to the creditors and Depth councilors.
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