Three weeks ago, he finished his last class in a two-year course of study at Acme Dental Technician's College. This job, however, requires him to obtain a dental hygienist certificate from the state. He had passed all tests for that certificate, and just needs to submit evidence that he has received his degree to complete the requirements. Trouble is, James was in a car accident just before going to Acme. Up to now, James has let his car insurance company, BrandX Insurers, defend the lawsuit.
Trial is next week.
To make matters worse, Ralph has an irrational hatred of James, will likely pursue the lawsuit whatever the cost. James admits that he and Ralph have had a acrimonious history and that he is not at all sorry that Ralph was injured. James wants to know if bankruptcy will help him. The state agency in charge of licensing dental technicians and hygienists with jurisdiction over James considers filing bankruptcy to be indicative of moral turpitude, and has a written policy against issuing licenses to anyone who has filed for any form of bankruptcy. The state exemptions applicable to James mirror the federal exemptions.