We have a brother (relatives)
due to bad finance decision, he rack up to almost $120++k in debt
from credit card, to personal stuff, to drive by payloan, student loan etc..
he was in deeply in debt
it got to the point,
where he try to kill himself, so that maybe his parent could get his life insurance
it was that badddd....
i overheard his parent talking about it at a family gathering
and reach out to this brother on facebook
together, we talk about chapter 7 bankruptcy and how it could give him a "fresh start"
he took my advice and went to talk to a lawyer
and a year later, he is doing good
most of his debt are wipe out,
still got the student loan though
but now, it's managable
and he's able to enjoy life