<prompt> Human: My older brother, love him to death, has had 2 very expensive vehicles get repossessed by the bank. Each over 25k remaining balance. His wages are now getting garnished. To make matters worse there was a 3 year hiatus where he wasnt getting garnished or billed and he just assumed the banks lost interest or he was paid in full. Well hes not and I dont think hell ever see the end of these loans. What do I say to convince him filing bankruptcy was made for people in his situation? He bought a house 3 years ago before his second truck was taken back. He currently pays for the vehicle him and his wife drive to work, hes behind several months on those payments. He has 0 credit card debt and is current on his mortgage. He just switched jobs so he thinks hes living the life but its only temporary until the bank starts garnishing the new paychecks. Ive told him several times to file, what little Ive talked to a lawyer ive gathered itll cost roughly 1,500. The banks can not take the vehicles you use to get to work and back and they cant take your house. His wife who does not pay for any vehicle only 12 the mortgage and utilities is very against filing because she has worked hard for her credit and doesnt want it ruined. Im at a loss, he has no retirement and just lives paycheck to paycheck. Any advice?Edit: Well I can see hes not a popular fella. Yes he is not very smart with money, but he is far from being a deadbeat. Ive never met a harder worker, he just doesnt have the self control or smarts when it comes to finances. Also, I dont know if filing bankruptcy would prevent him from doing it again. Ugh. Def wont ever co sign a loan for him, but nonethless it sucks seeing him in this rut. Edit 2: Majority opinion seems to be bankruptcy is not the solution. Hes working class paycheck to paycheck poor. Gross income id guess 35-43k  <response>: My advice is do not ever co-sign a loan for him. 