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but I DO absolutely agree that anybody who drives a car should learn about basic things that anybody can do. My dad would not let me drive the car until I learned about checking oil, changing the battery, changing a tire (including proper, safe use of a -), and replacing wiper fluid. Basic, easy things to do. Talk with your girlfriend *first* and stop doing auto work for them until the learns how to care for the car.

they are giving back the condo and all their accumulated equity to the bank, surrendering the cars, and working to pay off at least some of the credit card debts. And they had saved a ton for retirement, but had left it all in his former company's stock. It was stupid not to diversify, of course, but not the same as not trying to save for retirement (- a Countrywide and WaMu peon did the same). I'm not sure which form of bankruptcy they are in, but I'm guessing Chapter 11, which allows breathing room while restructuring, not total forgiveness of all debts. In which case, any money they are socking away be expected to be used in good part to pay off the credit card debts. You have a point, but I don't think it's quite as sharp as you believe it is.