<prompt> Human: I dont believe they have officially claimed bankruptcy but I do believe they are on the radar now.  <response>: Use that 80k to pay off the debts that they were considering bankrupting out of. Bankruptcy is not a get out of jail free card. If theyre trying to file bankruptcy and suddenly have 80k in their possession, the judge is going to make them use it to pay their debts. Try putting off the inheritance until after the bankruptcy, and theyll be in a world of trouble when they get caught. Take the 80k and spend it, and then file bankruptcy? The judge is very likely to deny their request. This isnt free money. This is a blessing to help them get back on top of things just in the nick of time. 