Did he actually file for bankruptcy, and did that legally absolve him of these debts? This is exactly what my original comments were about. Everyone goes through tough times, everyone has their lives change in unexpected ways very quickly, everyone has bills to pay, shelter to find and mouths to feed. I can't tell you how many thousands of dollars I've lost in my practice because people expect to get free health care, they cry me a river, they beg for free care or to carry a balance "for a while" (which means eternity), but then they go on vacation every other week, smoke a carton of cigs and drink 3 cases of beer every week, etc. To me, if someone owes me money, they're going to pay, or at least they're going to get a negative mark on their credit rating if nothing else. I don't get letting it slide. I did that for a couple years and I lost out big time.