hi everybody. i want take advise from anyboday if someone have experience .my one friend take crefit card amount of 9000 euto.he use money 6500 for some expensive. now from 4 month he loose job and take unemployment. so h cant pay credit amount from 4 month becuse he have four child thats y he have not enough money to pay. can any boday telll me what he can do now or if he declare bankruptcy then what effect on him or his family wages. thanks