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Even if the BK is likely to reduce the debt to pennies on the dollar or wipe it away entirely, it is always better to have the debt not be a judgment when going to file the BK. As such, it is best to DENY the debt, and let the matter be set for trial. This way, it is still not a "judgment" (hopefully) when the BK is filed, meaning the creditor is less likely to have his debt "survive" bankruptcy.
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