I paid back my mother money I owed her, and now I need to file bankruptcy.

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I've been running up a lot of debt and can't pay it back. I wanted to make sure I paid my mother the money she loaned me, so I paid her back. Now I want to file bankruptcy to get rid of my other debts.

In the immortal words of astronaut Jim Lovell, commander of the Apollo 13 spacecraft in 1970, "Houston, we have a problem". Let's see what the problem is and what to do about it.

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