[water1111]

I think what it is with this particular person is that it is hard for him to hold down a consistent job. So any payment above the basic necessities would be too much for him to handle. So he thinks.

Also, I think he wants one less thing to worry about so bankruptcy is an immediate short term solution. In his head, he can erase all his problems for a moment.

I wasn't sure if my advice was right or not so thanks for your comments.