All he can do is compensate for his insanity — condense spending as well as compensate down debt. If he tries to acknowledgement failure with which kind of income, a failure decider will many expected put him upon a 100% amends plan, receiving his income to compensate his bills. Plus he has to compensate a failure court, a failure attorney, a failure trustee, fees, interest, as well as any penalties. He can live upon $2k/month as well as compensate off all his bills faster, cheaper, as well as with a lot reduction highlight than if he tries a failure route.

I would sell a residence if a which much, whilst he is watchful for it to sell find a roommate to assistance with a mortgage, as good as cut up his cards so he won’t operate them any more, as well as begin to stay home as well as do zero so he can compensate all his bills.

He can sense to live upon $60,000 (twice what we live on).
The superfluous $60K will purify up HIS disaster in about 4 years. He might not have a hold up in which time, though which is a cost of vital over his means.