You are 46 years old. You have four vehicles that you are financing. You want to keep three of them. Why? Nobody knows. You have no kids. You don’t have a spouse or significant other. So you are the only one who drives these vehicles. Oh and you live with your parents because you “can’t afford rent.”
Hmm. I wonder why?
I guarantee you that when I tell him he isn’t going to be allowed to keep three cars while asking the court to discharge his unsecured debts he’s going to flip his shit.