Quick question -- I have a friend who is attempting to file chapter 13 (for the second time in 8 years). She did not learn anything the first time and has pretty much accumulated about $60,000. She owes half of that to a family friend. Her bankruptcy lawyer told her to stop paying for certain bills, to use her joint account she has with her boyfriend to pay for hair/nails/entertainment and the monthly family friend payment. She feels she makes too little ($36,000) and owes too much. It sickens me to think that this will just disappear. I can understand if she had experience extensive medical bills, undergone financial hardships, etc. Get a second or third job!! Explore any and all avenues before bankruptcy! I just hate seeing someone be able to get a "quick fix" while hard working people have to suffer the price (literally) with increased prices at stores, etc.
Is there anything I can do or give to the courts when her case approaches? She absolutely will learn nothing from this! Will the courts automatically wipe away the debt without recourse?
Thanks!

