back again ...... sorry but I feel the need to.
@Luke I read your blog Luke. I can see nothing there which explains, exonerates or provides you with any defense for your decision to fail in your responsibility to the victim here.
The bankruptcy laws are provided; in sentiment; to allow those who would otherwise be unable to create a future for themselves an option when all else fails to cover their misadventure.
Unfortunately the bankruptcy laws are probably the most abused laws there are.
In your case there is no way in hell that payment of $230000 is going to prevent you from pursuing a successful future. You say you are taking full responsibility but clearly you are not. You and your family are abusing the system; which you have every legal right to do; but are squealing at others abhorrence of your abuse.
If you are "
taking full responsibility" but "
in my case I have limited resources and the only possible outcome is my bankruptcy"
Taking that option is totally irresponsibe.
Saying its the only possible outcome is totally dishonest.
You are in a position personally where Im sure any main stream lender would fund your liability against the assured income of a graduate.
Failing that a (cost free) guarantee from either of your parents would make a formal loan an absolute certainty.
You are not taking responsibility you are shirking it.
Your parents condoning (if not driving) this 'choice' you are making eats into the heart of all things parents should be. Role models, advisors and carers of their children. Not to mention the often unspoken value of taking, at least some, responsibility for their actions.
BUT they were the ones who lent you the uninsured boat for the night when, clearly, all would be anticipating a night of celebratory indulgence.
I, and I believe most others, see them at least as responsible for the victims misfortune as you as the driver were. They too are shirking responsibility by hiding behind 'you' - as a scapegoat for their own irresponsibilty - & behind the "law" which in this case was not meant for them.
The bankruptcy laws you are hiding behind are societies way of showing some compassion for the destitute. They are not there to protect the assets of the wealthy.
Whats at issue here are social values and conscience and compassion. You and your family are displaying an unbelievable lack on all fronts.
Dont then be surprised at the affront others are expressing. That is simply a display of the healthy side of our society.