I know someone who has delcared bankruptcy at least twice... each time she was showered with ads for credit cards and auto loans. Apparently the thought process is "this person can't declare bankruptcy again for x years, so we're safe."

[–] Neato@kbin.social 3 points 1 year ago

...wtf? If a person has declared bankruptsy, sure they can't discharge again but their credit score is so trash they could just ignore creditors. As long as it isn't worth it to take someone to court, they have less incentive to pay.