He accumulated the debt, he should pay it off. Plain and simple. Sell the boats, ATV's and guns. If he can get the credit card companies to settle for less than owed amount like I hear on some of the commercials, then good for him, but pay the man. If not that's just straight up sorry.

If my people, who are called by my name, will humble themselves and pray and seek my face and turn from their wicked ways, then will I hear from heaven and will forgive their sin and will heal their land. 2 Chronicles 7:14