you're right about one thing: you don't know what you're talking about

Even easier is to make sure that you and your family have no assets at all. Or any income for creditors etc to claim from. This works not only in protecting you from legal actions, but also absolves you of responsibility for many smaller bills. Worst case scenario is getting taken to small claims court and getting ordered to pay off debt at the rate of $5-10 / month for several years, but you can easily claim 'hardship' and get out of this too. Many of Peths Eastern suburbs locals are experts in this strategy, displaying a remarkable knowledge of finer details of the law despite barely knowing how to read or write.

Your approach would not be a fighting spirit The person you ran over and needs to dig deep to overcome many challenges they will now have forever will need a fighting spirit! Or the small contractors that will loose their family home because some person didn't man up and thinks it is smart to abandon their responsibilities for their own actions and hide behind a bankruptcy! You got red thumbed because it is a cowardly act and not to many people would be proud to say in public they have friends or family that actually setup their life in preparation for such events just so they can lead a risky life Just because scum bags do it don't make it right