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I'm Dave Kelly, a Twin Cities area Minnesota bankruptcy attorney. I've been practicing law in the Twin Cities Minneapolis and St. Paul area quite a while - learning this business really does take a long time. If you would like to talk things over, I would be glad to discuss your situation. In about half an hour or so I can do a screening over the phone that would give us a fairly good idea as to whether a Chapter 7 or Chapter 13 bankruptcy is a good idea for you. I don't charge for those screenings. You might already...