My uncle had a bad accident back in the 1980's. And he was able to keep the bill collectors at bay for about a decade. He really didn't have to try too hard, he said. Just tell the creditors that he would pay a little, or he was willing to work things out. Going for broke wasn't an option. He didn't want that on his record, though finding a personal injury attorney in Washington was simpler then, and favored the consumer. Now if you get in trouble money wise you are in big trouble. You can't do a chapter this or a chapter that and expect to walk away. You will really get twisted. My uncle eventually managed to get a few family loans and pay off most of what he owed. Even then he was forever making payments to about a half dozen creditors. He actually came into some cash after that. But did he put it towards the money he owed? No, he went to Vegas and blew it. It’s a scientific fact that you will never leave Vegas with as much money as when you entered. I told my sister that is what he would do. I was right. She said no, he wouldn't. But she really doesn’t know him like I do. Speaking of my uncle I've got to go and pick him up. He can't drive anymore, which is probably a good thing. Keep him off the road.