Susan: It makes me wonder what his ex wife's financial situation is. Seems like if he's responsible for paying back all the debt, she must not have much money other than child support. Since he did not qualify to do what is written in the divorce decree (the bankruptcy), he should call his Lawyer back. Some Lawyers for the ex husbands expect the ex-wives to go back to work, but since she has four kids.....you did not say how old the kids are.