<prompt> Human: EDIT 3 3:10P EST: sigh No bs, ex-GF is threatening to fuck off roomies credit and purposely damage assets after their discussion about the car delinquency. Can anyone offer a suggestion before something goes wrong? Real stressful times man. Link to the other post here I didnt want to edit it into here cause I didnt think it would get enough attention and Im just so stressed out. I definitely think both posts warrant their own dicussion thread. Once again, thank you to everyone and anyone who offers suggestions and advice; I really appreciate it.---So, long story short this is a brother to me. Were not related but weve been through a lot. I invited him to live with me splitting expenses when he was on his last dollar. I promised him that Id never let him be homeless again. This was late April. He came from another state and had an SO. He had an apartment under his name with her and stupidly, which I told him not to financed a 2016 Kia something. Came out to like 16K initially. He left the SO and the car out in the other state and came to live with me after things with her spiraled downhill. He knew that being around her wouldnt be healthy and he couldnt progress. So thats the back story.Foolishly, again against my advisement, he left the car which is joint responsibility in between the two them in the other state in the SOs hands instead of giving it back to the dealership. Four months later, we were thinking about a small personal loan so he could get a 1,500-3,000 car just for work and a small 1,000 emergency fund. So... we run his credit report.It returns with a freaking 486, 492 and 496, from all three major credit agencies and 5 collections accounts, 4 of which were tickets that he knew about, but didnt know hit collections and the 5th which blindsided the both of us, 499 past due on the vehicle with the last payment received on fcking April 1st, 2017 and the first delinquency on June 1st, 2017.Basically, his ex-SO screwed him and broke her promise to pay the car, tanking both of their credit scores.Here are the debts in total not 100 accurate cause Im on laptop not home PC:- Car, joint with SO - 15,500 initial takeout. About 14,000 owed. No payment since 0401. He hasnt spoken to old SO in months. Do you think the repossessed the car? What should he do about this? He wants to give them back the car but if theyre gonna take the car and make them pay the 14,000 debt, then thatd just be stupid. What if they take the car for used value I guess 9,000, remove that from the 14,000 debt and split it evenly amongst the two debtors? That would be 2,500-3,000 sans any fees. Is that how they do things or?- Ticket from old state for license suspension. Owes 3,000 on license, takes 1,000 to get reinstated but the collection debt is 1,272.- Ticket from old state. Dont know what it is. He has about 3 of them all around the 3-500 range. Ill ask more about what these are from exactly, but Im more worried about the financial ramifications.EDIT: 2:13P EST: Let me just also add that he doesnt have state health care Husky or any for that matter so seeking guidance, help, therapy andor counseling is not a viable option right now. Sorry I didnt mention that earlier, my apologies.Like the title says, yes, my roommate is about the closest thing to at the lowest point Ive ever seen. He has 0 savings and probably 100 to his name after bills. He doesnt have a car and I couldnt even give him my old one to get a better job but he cant even drive it cause of his suspended license. He has no college credits and has failed out of two different state institutions sigh, probably both of which he owes money to now.He works 35-40 hours a week at Dunkin Donuts making like 10.50h. I dont want this to be my brother, I dont want this to be his life. I just dont know how to get him out of this spot. We are literal complete polar opposites.All family is in another state and he grew up in the foster care system. He left foster care on his own when he was 18 for the freedom. Is there anyways we can get the benefits back from him or?No health care to his name right now, however we have free health care available to us in our state. Does anybody know how long it takes to get this done?Im the one with the 739 credit score, 51 college credits, job for last 20 months, two cars in my name, 0 debt, 4-digits savings and the apartment is in my name. I really dont know how to help him out and its so, so, so frustrating.Please, please, please, anybody that could give us any guidance would be SO appreciated. I mean wholeheartedly. Because its draining me because I care so much about this kid and its clearly draining him because I mean, just look at that situation.Is there anything we could do? Any trades you guys would recommend? Changes dont have to be immediate, but they just have to happen :Thanks so much guys :EDIT: Should he file for bankruptcy? I mean, his credit is so shit that it wouldnt make a difference but I KNOW that nobody wants to speak to you for the next 7 years after that, and I wouldnt call this an amount of unrepayable debt.EDIT 2: I have a stats class at 3:55P EST and Im just going to relax right now. I didnt know this post was going to get this much attention 6.3k at time of viewing, 2:10P EST and I cant respond to everyone, whether right away or all together. Please, however, know that I am reading everyones perspectives and points of view and will allow him to read them as well, if he pleases. Thank you all so much for your time and care, and hopefully Ill be able to update this post when hes madeleaning towards a decision.Assistant: Option 1: Cut him loose and move on with your life. This guy clearly has problems and if you take him in the resentment will build and destroy your relationship. His problems are his own and he needs to learn to act like an adult. Option 2: he needs a 2nd minimum wage job. An additional 15 hours per week at 10hr would give him roughly 450month after taxes. Thats enough to eat and pay back about one bill in collections per month. One additional bill will be about another 15 hours per week. Maintaining a schedule like that for no money, no credit and with no other skills will be tough if not impossible for someone like that. It will take years for this guy to rebuild his life. If he can maintain for a year he should try trade school after he gets his credit closer to 550. His financial position is clearly a symptom of having no life skills and being immature and irresponsible. If hes a foster child thats not necessarily his fault but he has a lot of learning to do and youre not his parent. For your own sanity I suggest you dont assume that responsibility. Human: Option 1: Cut him loose and move on with your life. This guy clearly has problems and if you take him in the resentment will build and destroy your relationship.Easier said than done when hes one of the only family members you have. I dont have a family and hes been the closest thing to. However, I completely understand why you would suggest this. Thing have been very frustrating. But, it also makes me more thankful for where Im at in life. Option 2:Ive already told him he needs a second job and he wants one but the transportation tofrom a job is whats killing him. Also, I dont really think he cares as much as he should, if were being honest. Free time goes elsewhere instead of job applicationsinterviews and EBTFAFSA applications. It took this dude weeks to run this credit report, which only took 10 minutes. His financial position is clearly a symptom of having no life skills and being immature and irresponsible.I dont contest it man, I dont. Just hard explaining this to someone who is defensive. I will give him credit though, hes a survivor, but I want more for him than just someone who wants to get by. He finds a way to eat and enjoy his life, but I couldnt see how with the financial position hes in. Id go crazy.Thanks so much for the response man, I really do appreciate it.Assistant: You need to do some research on codependency. Im not saying that to be snarky, Im saying it from experience. It sounds like hes at the point where letting him hit rock bottom is the most loving thing you can do to him. Otherwise he simply may never learn and youll be ruining your life to save his forever.Its harsh but its life. Human: Ill look into that right after class, thank you. I feel that might be it too. When people depend on you and know they got things sweet, they tend to overlook things from where theyre at and start coasting.  <response>: Not just him, you. 