That's spot on Benny Boy.
No doubt he'll eventually do some court time, so unless he can muster up a loan to settle his accounts, his car will be the first thing to go (could snatch yourself a cheap little bargain).
While he has that car, no court in the land will allow him to do the $20 a week thing, even if he's unemployed!
In my experiences Dan, when that much shit gets flung around, eventually some of it sticks.
With that many dissatisfied people, me thinks resources would not be wasted if further factual investigation was instigated.
Maybe a group buy for a forensic accountant, PI and lawyer!