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https://www.osobnibankrot48.cz Generally speaking, personal bankruptcies are filed by an individual against all their creditors. An individual may choose to declare himself bankrupt in one proceeding or file for multiple bankruptcies. There are many different types of bankruptcies that individuals may choose from. They may choose to file as bankruptcies against their joint property, individually against each of their creditors or as bankruptcies against any single creditor.