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I am considering filing for Chapter 7 Bankruptcy. I do not have enough money to pay a CPA to file my 2010 and 2011 tax returns, and I don't want to file them myself. Can I file for Chapter 7 BK or will my failure to file taxes affect my ability to discharge my debts? Also, if I do file and the debt is discharged, do I need to pay taxes on the forgiven debt?