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If you are going to be so reasonable this discussion isn't going to be any fun.
I basically agree with your above post, particularly your three end points.
LOL...but you are right too! If I had a house and a car. I wouldn't mind declaring bankrupy to get rid of all my loans! However, doesn't declaring bankrupy allow the bank to take away my home? 😱 If the answer is NO, then the person pretty much got lucky!
