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So I got in a bad way financially a few years back and am now considering bankruptcy. Problem is I got one of those low rate loans that jump up to an insane rate if you miss a payment. They now want 13k for my 06 fz6. A "friend" told me that you are only required to turn in the frame in the case...

To set up the scene let me tell you what I do. I work as a facility admin for a HOA. My company manages the HOA as well as the club house and outdoor recreation. My office is on the first floor. The pool is behind the building. So today at work I walked out of my office and looked out the...