OK, I’ll bite.
She is a bad risk. She has a negative net worth, since there is no equity in her house and she owes 180k on revolving credit. Her balance sheet is the value of car (if paid off), furniture, etc., minus $180,000.
So much for her balance sheet. Her income has been less than her expenditures in recent years, but she promises to do better.
Run, don’t walk, from this person. She should go BK, and probably already considered it.
BTW, is she a proxy for the USA?
