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Personal insolvency can be legally satisfied by - a) Chapter 13 bankruptcy b) relinquishing all credit cards c) Chapter 7 bankruptcy d) both b &

Personal insolvency can be legally satisfied by -
a) Chapter 13 bankruptcy
b) relinquishing all credit cards
c) Chapter 7 bankruptcy
d) both b & c
e) both a & c
I put option-a( Chapter 13 bankruptcy) its say its wrong.
whats the correct answer?

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