No, you are entirely misreading that. You don’t just get everything reset to zero. So bad credit, yes, but also maybe a condition is that you are still on the h

No, you are entirely misreading that. You don’t just get everything reset to zero. So bad credit, yes, but also maybe a condition is that you are still on the hook for legal fees but they have been worked down to 50,000 and the payments have been rescheduled to 20 years. It’s a legal process, not an eraser.