Yes, this question made me very angry too WTF.

My friend has a large financial obligation that he does not feel he has the resources to ever settle this debt. he is considering bankruptcy to eliminate this and other bills.

Can he put this in his bankruptcy, or is it 1 that has to be paid?

good answers everyone, it helps to know not everyone believes the magic eraser fairy can take it some away:)
some answers were wonderful, and of my same mindset. I chose Uwishuk because he is a claims adjuster. Thanks everyone.