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Defendant is guilty of 3 felonys and 6 misdemeanors. I am one of 10 victims he borrowed money from with promise to pay back by Promissory Note. He never intended to pay anyone back. If he defrauded us can he exlude us from repayment if he files bk again? How soon can he file? I am not sure of the class of BK he filed in 1999.