Is this person a deadbeat loser ? what do you think?

ok, this guy has a job that pays $ 95,000 a year (thats 95 thousand for those of you that are mathematically inept lol kidding) he got into debt, of $ 60,000 (60 thousand) one of the items he purchased which caused him so much debt, was a car that cost $25,000 now he already has a job paying $95,000, but instead of paying back his debts, he went and declared bankruptcy. he didnt e