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<p><strong>The fourth type of bankruptcy is Chapter 12</strong>, which is often referred to as a farm reorganization. A Chapter 12 bankruptcy is exclusively available to farmers. It can result in write-downs on secured property and reductions in interest rates and cash flow needs while allowing the debtor to keep all of his property.  </p><p>If you have questions regarding a certain debt, or if you are thinking about filing a bankruptcy petition, please call us at 320.255.8840.</p>

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