Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
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If you can get the money together to rid yourself of the bankruptcy early, that's a good option. However, it will put a considerable strain on your retirement account until you can pay this back.
The best news is that your monthly payment amount will be less, but it will take you twice as long to pay it off.
However, the quicker you can get past your bankruptcy and the 7 year reporting period to credit agencies, the better.