re: Car dealers have so much backlog, some 2022s are "new"

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you have to be the worst lawyer ever

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Explain. How income and assets don't impact BK, please.

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Stop making payments or go do a debt consolidation program

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They will sue you and get penalties, interest, and attorney's fees. You don't "let go" of CC debt unless you're judgment proof. Again, these aren't judgment proof types. These are people with assets that can ultimately be seized.