This guy represents a large number of the american population. This is not an out of the ordinary situation. There are many programs availible to people who dove in irresponsibly and got in over their head. Alot of people who grew up with nothing get out of control when they come in contact with money. I know first hand. Maybe he will learn and maybe he wont. Bankruptcy will not teach him anything and the possibility of getting right back in this situation is high. Only manning up and being responsible and taking care of this debt will teach you anything. I hope you can figure it out and get back on track. I know its a hard place to be in. Good Luck.........
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