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Preface

The laws, codes and rules governing bankruptcy procedures are complicated and intricate in detail. This guide is not intended to serve as a "how to" manual, nor is it intended to advise debtors of their legal rights or responsibilities under bankruptcy. The purpose of this guide is simply to provide instructions for completing bankruptcy forms and to explain common bankruptcy terminology. A debtor who files for bankruptcy without the assistance of legal counsel (Pro Se) is responsible for all proceedings of their case.